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All-terrain vehicles (ATVs) can take their riders places where ordinary cars can't go: on dirt trails, over desert sands and gravelly ground, through woods, and across streams. However, although off-road vehicles are built for speed and durability in the harshest terrain, riding them poses certain risks. Minor ATV accidents can cause bruises, contusions, burns, fractures, and whiplash. ATVs can also be prone to rolling over, and unlike cars, they do not have roofs to protect their passengers from crush injuries. A collision with another vehicle or with an object, like a tree or a boulder, can result in expensive repairs or even replacement.
To provide a buffer against these risks, some insurance providers provide insurance policy packages specifically for ATV riders. When purchasing ATV insurance, riders should make sure that the following policies are included:
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Bodily injury liability
If a rider is involved in an accident that results in injury to another party and is found to be legally at fault, he or she could be deemed responsible for the other person's medical expenses. Bodily injury liability insurance helps cover these expenses.
ATV collision insurance
In the event that an ATV rider collides with another vehicle or an object, collision insurance will help pay for the repairs of the rider's own vehicle. In many cases, if the ATV is deemed too damaged to be repaired, the insurance provider may opt to replace the vehicle instead.
ATV comprehensive coverage
This type of insurance provides coverage for damages that did not result from an accident. This includes damage from falling tree limbs, floods, and fires. Like collision insurance, comprehensive coverage can pay up to the actual cash value of the ATV if it's deemed a total loss, i.e. stolen or damaged beyond repair.
Medical payments coverage
If injured in an accident, an ATV rider can count on medical payments coverage to help pay for medical expenses. Some policies extend coverage to other passengers of the ATV involved, if any.
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There are other optional insurance types that help fill in any gaps in coverage, such as aftermarket parts and equipment insurance. Interested riders should consider an ATV safety course in order to gain a discount on ATV insurance.
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