All-terrain vehicles (ATVs) are a great way to experience the outdoors and get some quality time in with your family and friends. While ATVs can certainly be a great source of entertainment and adventure, they aren’t without risk. This risk is the very reason that you should consider obtaining ATV Insurance.
If you own an ATV, it is absolutely necessary to have proper coverage to ensure that yourself, other people, and your vehicle are protected at all times. Southern States Insurance can help you understand which policy is the most appropriate for you.
ATV Insurance Coverage
ATV Insurance coverage ensures that you are protected against the risks and liabilities that may come up if you own and operate an ATV. After all, ATVs are often used in rough terrain, at unregulated speeds, and inexperienced drivers. Proper ATV Insurance helps protect you and others in the event that there is an accident. This level of coverage is certainly worth the cost.
Collision Insurance is especially crucial if you own and operate an ATV. This type of insurance covers the costs of damages to your ATV in the event that you wreck or have a single-vehicle rollover. ATVs are made for less regulated driving, so the chances of an accident are more likely than driving a regular truck or car. Collision Insurance can give protection so that your ATV will be repaired if it is involved in a collision.
Property Damage Insurance
Property Damage Insurance is incredibly helpful if you own an ATV. This type of insurance ensures that you are insured if you damage someone else’s property while driving your ATV. For example, if you crash into another person’s vehicle, then those costs would be covered if you have Property Damage Insurance.
Bodily Injury Liability Insurance
Bodily Injury Liability Insurance means that medical and legal fees associated with physical injuries while operating your ATV will be properly covered. This only covers damage that occurs while you are riding, meaning you are not liable for a friend or family member who causes injury while they are operating your ATV.
Medical Payments Insurance
If you or someone else is injured while using your ATV, then associated medical costs may be covered. Typical medical costs may be hospital care, x-rays, or even surgeries. Having proper Medical Payments Insurance will help relieve some costs that may occur following a minor or serious ATV crash.
Uninsured/Underinsured Motorists Insurance
Getting into an accident with someone who is uninsured may seem like your worst nightmare. However, having proper Uninsured or Underinsured Motorist Insurance will protect you in the event that you have an accident with someone who lacks proper coverage.
Learn More From A Specialty Insurance Broker
If you own an ATV, then it is likely in your best interest to obtain ATV Insurance. Southern States Insurance is more than happy to discuss the policies that work for you. For more information, please reach out to our office by giving us a call at 888.971.6304 or request a quote online today. Our knowledgeable staff will help you find an insurance policy for your situation. We look forward to working with you!