What is ATV insurance?
Operating a four-wheeler or other all-terrain vehicle involves certain risks, as accidents can happen on the trail or elsewhere. ATV insurance can help riders in Vermont protect their four-wheelers from covered damage, as well as provide valuable liability coverage.
ATV insurance offers tailored coverages for four-wheelers and other all-terrain vehicles. Policies may provide coverage when an ATV is on the trail, on the road, or simply in a garage.
What insurance coverages can four-wheeler policies come with?
Four-wheeler policies normally have the following available coverages:
- Bodily Injury Liability Coverage: Pays for injuries you cause to others while riding your ATV.
- Medical Payments Coverage: Pays for medical bills for you or your passengers after an ATV accident, regardless of fault.
- Comprehensive Coverage: Pays for non-collision damage to the four-wheeler, which often includes fire, theft, vandalism, falling trees, and other perils.
- Collision Coverage: Pays for damage to the four-wheeler if sustained during a collision with another object, which could be a tree, other ATVs, cars, vans, or trucks.
- Accessories Coverage: Pays for safety gear and accessories used with the four-wheeler, which could encompass helmets, aftermarket upgrades, bags, and other items.
- Property Damage Liability Coverage: Pays for damage to others’ ATVs or property that your four-wheeler causes during a collision.
- Underinsured and Uninsured Motorist Coverage: Pays for your damages where the at-fault driver lacks adequate insurance, and usually also covers hit-and-runs.
Can an ATV be added onto a car insurance policy?
Car insurance policies are not designed to cover four-wheelers or other ATVs. These policies are mainly for cars and trucks that are driving on public roads. An ATV policy is normally needed if insuring a four-wheeler.
Can a homeowners insurance policy cover an ATV?
Some companies will allow you to endorse an ATV on a homeowners policy. However, even if a four-wheeler can be covered, an ATV policy is often recommended as it may provide more extensive protections.
An insurance agent knowledgeable in four-wheeler insurance can help riders check their homeowners policy, to see whether it meets their ATV coverage needs.
Where can riders in Vermont get ATV insurance for their four-wheeler?
If you need help insuring a four-wheeler or other ATV that’s registered in Vermont, contact the independent insurance agents at Burlington Insurance Agency. Our agents will help you find valuable coverage at an affordable price.
