It’s true that life can be full of ups and downs. One minute you’re out having a great deal of fun on your ATV, and the next minute you crash. You certainly never expect it to happen, but ATV accidents occur all the time. That means you need to be prepared. The good news is that there are a few types of ATV insurance policies that you can take out in order to protect you, your ATV, and your financial interests. The bottom line is that ATV insurance goes a long way in helping you if you’re in an accident or other type of damage occurs.

The typical ATV insurance policy includes liability insurance, collision insurance, and comprehensive coverage options. There are also add-on policies that you can take out in order to further protect yourself. For example, uninsured/underinsured ATV coverage is an add-on to your policy. The amount of ATV insurance coverage that you purchase is based on the policy limits that you choose. ATVs tend to be dangerous to riders and to people in surrounding areas. They’re also expensive to replace if damaged, so owners should consider purchasing ATV insurance just in case. In addition, if you like to ride in certain places, such as state parks then ATV insurance is required by law.

The majority of insurance companies cover ATVs under their motorcycle insurance policies; however, rates are typically lower when it comes to vehicles that are driven off-road. That being said, if your vehicle is a UTV, utility vehicle or side-by-side, it is usually considered to be an ATV based on insurance purposes. ATV owners need to know that there are certain factors that are excluded from ATV insurance policy coverage. For example, most policies do not cover damage or loss that’s related to high risk, such as organized ATV racing or illegal behavior and activities.

However, there are specialty insurance companies that will cover an ATV insurance policy for organized racing. We should note that riding your ATV on highways and roads is also excluded from your ATV insurance policy coverage due to the fact that it is illegal. Furthermore, ATVs are allowed to crossroads or highways but usually only under specific conditions. For example, you should only cross at a point that’s designed for an automobile to cross. That means you cannot drive over a median. ATVs crossing any road should come to a complete stop and make sure they are completely visible to traffic. The only exception to this would be operating an ATV on a roadway in response to an emergency situation.

If you ride an ATV in the Commonwealth of Massachusetts, then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs.  Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.

If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.