What Is ATV Insurance?
ATV insurance provides financial protection for all-terrain vehicles used for recreation or work, including E-bokes ad golf carts. Coverage typically includes liability for bodily injury and property damage, as well as options for physical damage, theft, vandalism, and medical payments. Policies can be tailored based on how and where the ATV or rectreational vehicle is used, whether on private property, trails, or off-road parks.
Why Do You Need It?
ATVs, E-bokes, and glf carts pose a higher risk of accidents, injuries, and property damage due to their size and terrain use. ATV insurance helps protect you from costly out-of-pocket expenses if you’re involved in an accident, cause damage to someone else’s property, or your vehicle is stolen or damaged. In some states or riding areas, liability coverage may also be required by law or regulation.
Questions to Ask Your Agent
- Ask your agent what coverages are included and which optional protections make sense for your usage
- Are passengers are covered?
- How does off-road or trail use affect coverage?
- Is there safety equipment or storage that would impact your premium?
- What are the coverage limits, deductibles, and any exclusions that may apply?
