ATV
ATV insurance, also known as all-terrain vehicle insurance or quad bike insurance, is a type of insurance coverage designed to protect ATV owners against financial loss resulting from accidents, theft, liability claims, and other covered events involving their ATVs.
Here are some key features of ATV insurance:
- Liability coverage: This coverage protects you if you are legally responsible for injuring someone or damaging someone’s property while operating your ATV. It can help cover medical expenses, legal fees, and property damage claims.
- Collision coverage: This coverage helps pay for repairs to your ATV if it’s damaged in a collision with another vehicle, object, or surface, regardless of fault.
- Comprehensive coverage: Also known as “other than collision” coverage, comprehensive coverage helps pay for damage to your ATV caused by non-collision events such as theft, vandalism, fire, severe weather, or hitting an animal.
- Uninsured/underinsured motorist coverage: This coverage helps protect you if you’re involved in an accident with another ATV rider or vehicle operator who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Medical payments coverage: This coverage helps pay for medical expenses for you or your passengers if you’re injured in an ATV accident, regardless of fault.
- Optional coverages: ATV insurance policies may offer optional coverages such as roadside assistance, trailer coverage, accessory coverage for aftermarket parts or modifications, and coverage for personal belongings carried on the ATV.
Similar to other types of vehicle insurance, the cost of ATV insurance can vary depending on factors such as the make and model of the ATV, the coverage options selected, the deductible amount chosen, the rider’s driving history, and the location where the ATV is primarily used and stored.
While ATV insurance is not always required by law, it’s a good idea to have insurance to protect yourself financially in the event of an accident or other covered loss. Additionally, some ATV lenders may require insurance as a condition of financing.
How to Get ATV Insurance
Cinco Seguros is determined to help you learn more about ATV insurance. Contact us today to learn more or request a quote.