Joy Riding Without Worries: Why Do I Need ATV Insurance?

Riding an all-terrain vehicle like an ATV is nothing short of breathtaking. Taking a ride at top speed along sand dunes or through the trees in the woods is the best feeling in the world to ATV lovers. Of course, there’s always the risk involved too, in blazing along in rugged terrain. Even if you wear all the appropriate headgear, an accident may cause physical injuries as well as property damage, to your own ATV and perhaps another person’s property. An ATV accident can be very costly. ATV Insurance is not something you should think twice about: it’s a must-have form of protection for the wise pleasure seeker.

ATVing is becoming so popular these days that it was even featured in the popular series, “The Real Housewives of Orange County.” In the episode filmed at Glamis Dunes, the ladies overturn their ATV and end up getting airlifted to a hospital. None of that the scenes were staged. You really can get very hurt if your flip an ATV – and it happens to the most experienced drivers too!

Important Factors to Remember When Riding an ATV

Blind Spots: Each kind of terrain presents its unique set of challenges. Hikers often appear when you least expected them. There may be bumpy trails and fast turns that lead to a tree. Accidents often happen when riders are not expecting oncomers at a bend. This is especially true on a hill, where you can’t see the other side. Beware of sudden obstacles, people or turns that may cause a collision.

Noises: Make sure your ATV meets the requirements of having a spark arrestor (check ahead). Most state parks require you to have one. Even if the park you plan to ride in doesn’t require it, you may want one anyway, just to be nice to all those hikers and campers. If you ride without a spark arrestor where it is required you could end up in civil or even criminal trouble if you’re caught.

Riding Etiquette: Know the hand signals, whether you’re riding alone or with a group. Signal all oncoming traffic (other riders, hikers, horseback riders, etc.). If you’re with a group, choose a person as the leader. This leader should always let oncomers know how many people are in your pack. The last rider holds up a fist to indicate that they are last.

Do not go full speed on narrow trails, which are often crowded and filled with hikers. Always slow down where you anticipate people or if you hear an oncoming rider. Let faster riders pass you. Ride defensively, as you would a car.

Finding Affordable ATV Insurance

There are many companies that offer ATV Insurance providers, but the Insurance Specialists at QRV will shop rates for you to find the one that best fits your needs and budget: (866) 501-7335. Discounts often apply, especially if you bundle your ATV Insurance with Motorcycle or RV Insurance.

There several kinds of coverage that are available for a comprehensive ATV insurance policy. The most standard forms of ATV Insurance include the following:

Bodily Injury: This will cover the cost of injuries to others if you are responsible for the accident.

Property Damage: If you damage another person’s property – or public property – you’ll be covered with this coverage.

Collision: If you have a collision with another ATV or anything for that matter this type of coverage will help cover costs of repair or replacement.

Comprehensive: If your ATV gets damaged in a non-collision incident this type of coverage would help with costs of repair or replacement. Events that are covered: fire, theft, vandalism, and more.

Medical Payments: This type of coverage will help pay for medical costs if you get hurt in an accident. Typically, passengers are covered too, as long as the person operating the ATV is at least 16 years old and has a valid driver’s license.

Uninsured/underinsured motorist coverage: As you can imagine, there will be many uninsured riders if you take your ATV to private areas or if your state has no laws requiring ATV Insurance to ride on state-owned property. However, if you have an accident and they don’t have liability insurance, this type of insurance will ensure that your expenses are covered.

Can I Take My Chances and Ride My ATV Without Insurance?

In many states, you are required to carry ATV Insurance, especially in State Parks or any other type of state-owned property. Like Auto Insurance, the minimum requirement is Liability Insurance. But even if you plan on riding on private property, taking a chance riding a vehicle that is designed to be a bit dangerous is not the wisest decision.

If you are financing your ATV, chances are that you will be required to carry insurance. Your lender will have specific coverage requirements.

Get multiple rates in one call to an RV Insurance Specialist and choose which coverage fits your needs and budget: (866) 501-7335.

For more trail riding tips for dirt bikes and ATVs, visit here.


The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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