ATV Insurance

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What is it?

ATV Insurance helps to financially protect you and your ATV in the event of an accident or other covered loss. Generally, ATVs are written on a Motorcycle Insurance policy with an ATV classification. Though it is written on the same policy as street legal motorcycles, the premium for off-road vehicles tends to be lower.  

What's covered?

Depending on the policy you purchase, you may to able to add some additional optional coverages. These are the coverages most commonly included for an ATV:

  • Liability (bodily injury and property damage): If you are determined to be at-fault in an accident, this coverage pays for the resulting medical bills or costs to repair the damaged property of the other party.
  • Comprehensive: This coverage extends for damage to your ATV caused by non-collision events, like theft, fire, or hail.
  • Collision: If your ATV is damaged in a collision, this coverage will pay to repair the ATV.
  • Uninsured/underinsured motorist: This coverage will extend for your injuries and the injuries of your passengers if you are not-at-fault in an accident but the other driver either flees the scene or does not have insurance. Underinsured motorist coverage will extend if the at-fault party has insurance with liability limits lower than yours and it is insufficient to cover your injuries.
  • Medical payments: This coverage can extend to pay for injuries you or your passengers sustain in an accident, regardless of who was at-fault for the accident.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. ATV Insurance works similarly to Auto or Motorcycle Insurance, but the rates will reflect that the vehicle is only used off-road.
  3. Depending on the state you live in, you may be required to carry ATV Insurance if you are riding on state land such as a state or national park.
  4. If you are not required to purchase ATV Insurance, it is still highly recommended to protect not only your ATV, but also your own injuries and the damage you could potentially cause to others.
  5. For insurance purposes, UTVs (Utility Terrain/Task Vehicles) are treated the same as ATVs (All-Terrain Vehicles).

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