Bodily Injury Liability: This coverage pays for damages associated with any other parties injured or killed in an accident associated with your ATV or off-road vehicle. It also covers any legal fees resulting from any litigation against the policyholder. In both circumstances, this part of ATV insurance covers up to the claim limits of the policy. The limits of bodily injury liability are typically an amount per person and a total amount per accident, regardless of the number involved.
To avoid injuries and liability claims related to an ATV, there are a number of things owners can do. Keep your ATV garaged or secured so that only those with permission and supervision can ride it. Even if someone does not have permission to ride an ATV, the ATV owner might be found liable for injuries while riding it.
It's important to follow the guidelines for each ATV, since not adhering to them might compromise the vehicle's performance or the rider's. For example, vehicles have weight restrictions—do not overload any haul or cargo. Most four-wheelers are designed for just one person. Make sure the driver is the appropriate size for the ATV. No one should ever operate an ATV under the influence of drugs or alcohol.
Property Damage Liability: Similar to bodily injury liability, this coverage pays for any damage an ATV driver causes to another person's property—including personal property (such as belongings) as well as their home or yard. Property damage liability has a claim limit per incident that is typically as much or lower than the per-person limit of the policy's bodily injury liability insurance. For example, if an Arizona ATV or UTV insurance policy has a bodily injury limit of $25,000 per person/per accident, the same policy's property damage limit might be $25,000 or lower.
Medical Payments (Optional): Medical payments coverage pays for any medical expenses incurred by those riding your ATV. It will cover things like surgeries, X-rays, hospital stays and even transportation via ambulance.
Uninsured/underinsured motorist (Optional): In the event you or someone riding your ATV are injured by someone who doesn't have insurance, or not enough of it, this coverage will pay for your expenses. Ideally, if someone else is at fault for your injury or damages, their insurance would cover the costs they are responsible for. However, even when insurance is required by law, some individuals might fail to purchase it.
Uninsured/underinsured coverage for ATV insurance also has claim limits. Like bodily injury liability, uninsured and underinsured motorist coverage has limits per individual and per accident.
Collision (Optional): This coverage pays to repair damage to your ATV caused by a collision with another vehicle or if it overturns. Policyholders choose a deductible—the amount they pay before their insurer begins to cover costs—and the insurance company will cover up to the value of the ATV.
To keep premiums low, the owner of an ATV with a low value might choose to forgo this coverage. You may want to determine how much your ATV is worth before adding it to a policy. Collision coverage is often required of owners who financed the purchase of their ATV or are leasing it.
Comprehensive (Optional): Comprehensive coverage pays for damage not caused by a collision with another vehicle. It also covers loss of the ATV due to theft, vandalism, flooding, earthquake, fire and other causes. Like collision, comprehensive coverage has a deductible. For example, if someone steals your ATV, you could file a comprehensive claim and your insurer would pay up to the cash value to replace it.
Are there Arizona or Ohio ATV insurance exclusions?
Owners and riders need to be aware of circumstances excluded from ATV insurance coverage, either due to higher levels of risk or illegal behavior.
For example, standard ATV insurance policies only cover use for recreational or commuting purposes (such as traveling across your property to a barn or to work). They don't cover loss or damage related to organized racing. Most ATV racing insurance policies are offered by specialty insurers.
Riding an ATV on highways and roads is excluded from insurance coverage because it is illegal. There are few exceptions to this rule. Local government agencies across the U.S. can choose to allow ATV traffic on specific roads and highways, usually within state-owned property, such as large parks or reserves. Signage regarding ATVs is usually clear and obvious—do not assume ATVs are permitted on any highway, road or trail.
ATVs can cross roads or highways but usually only under specific conditions. They must cross at a point designed for vehicles to cross—they cannot simply drive over a median. ATVs crossing any road should come to a complete stop and make sure they are visible to traffic. The only exception to this would be operating an ATV on a roadway in response to an emergency.
What does ATV Insurance cost?
ATV insurance is usually cheaper than motorcycle insurance, even though ATVs are covered under motorcycle insurance policies. One likely reason for this could be that most motorcycle and ATV accidents are single-vehicle incidents, so injuries stem from the inherent dangers of motorcycles and ATVS, not other vehicles on a road or path.
People generally spend less time and drive fewer miles on ATVs than motorcycles, resulting in fewer accidents and claims. ATVs also typically can't travel as fast and don't have as high a top speed as most motorcycles.
To get the best ATV or UTV insurance rate, we recommend contacting PJS Insurance Services in Mesa, Arizona at (602) 750-0616 or (419) 318-9130 in Toledo, Ohio for a Free Quote from at least three insurers. ATV insurance companies evaluate the risk of riders and vehicles differently, so depending on your location and driving history, you may receive a much better rate with one insurer than another. You can also Request more Info here.
Like insurance for motorcycles and other vehicles, ATV insurance has discounts available for some policyholders. Most carriers offer lower quotes for ATV insurance if you have more than one ATV or motorcycle, have multiple insurance policies (such as homeowners or renters insurance), or have an anti-theft device installed on your ATV.
Most Arizona Insurance companies suggest ATV owners can save as much as 40% on their premiums by taking advantage of discounts. They offer discounts for having multiple policies, paying an annual premium in full, being a homeowner and completing a safety course.
Each state has its own definition of all-terrain s (ATV) but the definitions are relatively similar. Most consider any motorized vehicle with two or more wheels meant for off-road driving to be an ATV. They are not intended, nor are they licensed, for use on highways or roads. The Polaris RZR, Kawasaki Brute Force and the Honda TRX250X are all slightly different from each other, but they are all ATVs. If your vehicle is a UTV, utility vehicle or side-by-side, it is likely considered an ATV when searching for insurance or determining state requirements.
Most people associate single-passenger, four-wheeled, off-road vehicles with ATVs. They are commonly referred to as four-wheelers, quad bikes, quads or quadricycles. However, there are many ATVs designed for two-passengers, and some have greater or fewer than four wheels. For example, the Polaris Ranger 6x6 has six wheels.
"There is a difference. To find out how our Independent Insurance Agency can help you find the best ATV insurance coverage, please contact PJS Insurance Services. Give us a call at (602) 750-0616 or
Request more information."