ATV Insurance Coverages
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Meet ATV Insurance Requirements to Stay Protected

Liability coverage

This ATV insurance coverage helps cover bodily injury and property damage to others if you are at fault in an accident. It can pay for other people’s medical costs, as well as their lost wages and your legal expenses. Most states require liability coverage.

Collision coverage

Collision helps covers damage to your ATV if you hit another vehicle, another vehicle hits you, or your ATV rolls over. If your vehicle is leased or financed, you may have ATV insurance requirements for collision coverage. This coverage also includes up to $2,000 for safety apparel. It may be required if your all-terrain vehicle is leased or financed.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your ATV not caused by a collision. This can include damage or loss from theft, vandalism, falling objects, fire, flood and certain other natural disasters. Comprehensive also covers custom parts and equipment.

Uninsured or underinsured ATV coverage

This all-terrain vehicle insurance coverage helps pay for repairs to your ATV if it is damaged in an accident by an underinsured, uninsured or unidentified driver. It also helps pay the medical costs for you and your passengers if an accident caused by an uninsured or underinsured driver results in injury.

Medical payments coverage

Medical payments helps pay for medical bills for the treatment of injuries resulting from a covered accident, regardless of who is at fault.

OEM endorsement

An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.