ATV Insurance
Whether you ride an ATV for work or play, accidents can happen. With ATV insurance, you’re protected in the event of an accident, injury or damage to property. Whether you stick to ATV roads or go off on your own adventures, make sure you’re protected before you get on your vehicle.
There are four primary components to ATV insurance. Some are standard while others are optional additions.
- ATV Collision Insurance: This will pay for structural damage to the ATV if you collide with a rock, tree, stump or even another ATV.
- Bodily Injury and Property Damage Liability Coverage: If you’re at fault for an accident that harms another person or someone’s property, liability insurance will cover damages and the cost of legal defense in case you’re sued.
- Comprehensive Insurance: Also sometimes referred to as “Other Than Collision,” comprehensive insurance will pay for damage that results from animals, vandalism, theft or lightning, among other mishaps.
- Uninsured and Underinsured Motorist Coverage: This part of ATV insurance is optional and it will cover you if the person who causes you harm or harms your property is not covered to pay the losses.
After an accident, it can be costly to repair your vehicle. If you’re injured while riding your ATV, medical costs can be through the roof. While some people believe that their auto insurance or homeowners coverage provides ATV coverage, this is often not the case. ATV insurance will provide the specific coverage you need while off-roading.
If you think you need additional or specialty coverage, speak with your insurance agent. Some ATV drivers have customized parts to their vehicle and need coverage in case they break down. Start with online quotes and then speak with an agent to talk about your specific needs.
For more information regarding automotive Insurance in Virginia, Maryland, West Virginia, and District of Colombia, call 703-803-8191 to speak to an insurance agent from Credo 1 Solutions today