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What Does ATV Insurance Cover?

ATV insurance coverage can help protect you in the event of an accident or other type of damage. An ATV insurance policy typically consists of liability, collision and comprehensive coverage options, as well as add-on coverages such as uninsured/underinsured ATV coverage. Like other types of powersports insurance, the amount of coverage you have depends on the policy limits you select. Learn more specifics about each type of ATV coverage below and get a free, no-obligation quote in minutes.

Liability Coverage for ATVs

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 for ATVs

Collision helps cover 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. Contact an agent to find out whether collision coverage is required if your ATV is financed or leased before requesting a free ATV insurance quote.

Comprehensive Coverage for ATVs

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 can also protect custom parts and equipment.

Uninsured or underinsured ATV coverage

Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your ATV. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.

Medical payments Coverage for ATVers

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

OEM endorsements help ensure that your vehicle is repaired with new parts from the original equipment manufacturer, whenever available. If an original equipment manufacturer part is not available, we will issue payment based on the fair market value of the new original equipment manufacturer part. This coverage is available for vehicles less than 10 years old.

ATV Insurance Discounts

You may be eligible for a reduced rate on the above policies. Explore Nationwide ATV insurance discounts on our ATV insurance coverage.

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