What Does ATV Insurance Cover?

ATV insurance works similarly to auto insurance. Since there are risks, just like with driving a car, ATV insurance helps cover the costs of these risks. In Harrisburg, PA ATV insurance is required.

Liability Coverage

This coverage will protect you if you get into an accident on your ATV and you are at fault. This will help pay for the other person’s medical bills, along with damage to your property.

Collision and Comprehensive Coverage

Collision coverage will help pay for repairs or to replace the ATV if you get into an accident, even if it’s just with yourself. For example, if you hit a tree and flip your own ride, you are covered under collision insurance. Comprehensive coverage will help pay for damages or replacement for non-accident related damages, such as fire, theft, or a falling tree branch. You can choose to receive actual cash value, so you if you have to completely replace your ATV you can get the actual value minus your deductible.

There is optional coverage if you want more protection. Just like with auto insurance, you can choose to have uninsured or underinsured motorist coverage, in case you get into a crash with another driver who doesn’t ATV insurance or insufficient coverage. Medical payments coverage will help pay for your medical bills, should you get into an accident. If you transport your ATV in a trailer, you may want a transport trailer for physical damage coverage.

How you use your ATV can help determine how much coverage you should get. If you use it in the backwoods where there are trees that can obstruct the view, you may want more coverage because it’s easier to get into an accident. You also want enough liability coverage to protect your assets and figure out how much risk you take while driving. An agent at Henderson Insurance Agency can help determine your risk.

Contact Henderson Insurance Agency serving Harrisburg, PA to get a quote on ATV insurance.