ATV Coverage Options

Insurance Center Associates

Accessory Coverage

Accessory coverage is for those items which are not included as standard by the manufacturer of the ATV and were added onto your ATV. These can include but are not limited to: plows, windshield, luggage rack, safety guards, custom seat, chrome light bars, radios and CBs.

Accessory packages ranging from $500 to $10,000 are available. The accessory coverage cannot be more than 50% of the ATV’s current market value. In cases where the ATV is customized beyond that, agreed value coverage may be an option.

Bodily Injury Liability Coverage

Bodily injury liability coverage protects you if you are held responsible for injuring someone in a car accident.

This coverage helps pay for the injured party’s medical expenses and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.

The amount covered is capped at the limits you select when you buy your auto insurance policy.

Collision Coverage

Collision coverage helps pay for auto repair or replacement costs if your ATV / Bike hits another vehicle/object or rolls over.

Comprehensive Coverage

Comprehensive coverage helps pay for damage to your car/boat/trailer/rv/atv, etc resulting from fire, certain natural disasters, falling objects, and vandalism. Theft is also covered. The maximum amount paid for repair or replacement is the actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy

Some policies may allow for an endorsement allowing for “new vehicle replacement cost” or “agreed value” amount. Contact your agent for more info.

Medical Payments Coverage

This insurance coverage pays medical bills if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault.

Property Damage Liability Coverage

Property damage liability coverage protects you if you are held responsible for damaging someone else’s property.

Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, a boat, or a home). This type of coverage also helps pay your expenses in a related lawsuit.

The amount covered by property damage liability may be capped at the limit you choose when you buy your insurance policy.

Trip Interruption

Trip Interruption coverages vary widely. They can include reimbursements for hotel, transportation, etc if you are stranded. In addition, they may also include Towing & Labor reimbursements / coverage.

This Emergency expense coverage can be extremely helpful and even offset expenses if you become stranded.

Uninsured / Underinsured Motorist Bodily Injury Coverage

Uninsured motorist bodily injury coverage is available in some states, where it’s often mandatory.

This kind of insurance coverage might apply to Auto / Boat / RV coverages, and pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by someone who has no insurance or not enough insurance.

Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your insurance policy.

Uninsured Motorist Property Damage Coverage

Uninsured motorist property damage coverage is available in some states, where it’s often mandatory.

This kind of auto insurance coverage protects you if your property is damaged in an accident caused by a driver who has no similar insurance, or not enough. Other protection afforded by this type of insurance coverage varies from state to state.

The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your insurance policy. In some states, you’ll need to pay a deductible each time you file an auto insurance claim.