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The ABCs of ATV Insurance

Know the Rules of the [Off] Road

Off-road vehicle riding is a popular pastime in Massachusetts and surrounding states, but before you head off road on your ATV (all-terrain vehicle), review the following information to ensure you have the protection you need.

ATV regulations vary by state, so it’s important you check out what’s required in the location where you’ll be riding. For example, in Massachusetts:

• all vehicles must be registered

• riders under age 18 must complete an operator safety and responsibility program before riding, and proof of completion must be carried by the operator

• helmets are required

• riding opportunities may be limited in some areas to designated trails and times of year

• there are specific equipment requirements, including at least one headlight, a red rear light and reflector, an adequate muffler and more

The definition of an ATV can also vary and may include three- and four-wheelers, utility-terrain vehicles and side-by-sides. It may also include other recreational vehicles like snowmobiles and Segways.

Why You Should Get ATV Insurance

By its very nature, ATV riding comes with inherent dangers due to rough terrain and natural and manmade obstacles, low visibility in forested areas, wildlife, weather conditions and more.

While ATV insurance is not required in most states, having it just makes good sense for your personal and financial well-being. Because ATV riders are relatively exposed and unprotected, even a relatively minor accident may result in costly medical bills.

Type of ATV Insurance

There are a variety of types of coverage, but the most common are:

• Collision: covers damage to your ATV in case of a collision, whether or not you are at fault

• Comprehensive: helps cover the cost to repair or replace your ATV for a reason other than a collision, such as fire or theft; worthwhile if you have made a significant investment in your vehicle

• Liability: provides protection if you cause injury to a person or damage to someone else’s property

• Medical payments: helps cover the cost of injuries or hospitalization if you or one of your passengers is injured

You are responsible for damages or bodily injuries sustained as a result of an ATV accident. ATV insurance is relatively inexpensive but can save you tremendously in terms of financial repercussions. Be safe, not sorry. Contact us to talk about your coverage before you head out this summer.