ATV Liability Insurance

ATV liability insurance is often overlooked, but the fact is, ATVs are associated with relatively high rates of injury. Before you decide to take a ride, take time to brush up on basic liability issues.

Why is ATV liability important?

Many people assume they won't need ATV liability insurance if they only allow friends or family members to drive. Unfortunately, accidents happen, and you may inadvertently injure or cause damage to someone else.

Speaking of family members, do not automatically assume the younger drivers in your family are covered while driving or riding an ATV. Many ATV policies exclude youthful operators.

ATV drivers also need liability insurance in the event they destroy property. Even a simple ATV accident can cause property damage for which the operator of the ATV will be responsible.

When in doubt, give us a call to discuss ATV insurance. We're here to help.

Avoiding ATV Liability Risks

While you cannot prevent unforeseen accidents, you can take precautionary measures to reduce ATV liability risks. Here are a few examples:

  • Obey the published weight limits and do not attempt to haul extra cargo
  • Many ATVs are made for one person and should not be driven with passengers
  • Make sure youthful operators are driving the proper sized ATV
  • Never operate an ATV under the influence of drugs or alcohol

The above-listed tips are for informational use only. Refer to your insurance policy contract for specific information regarding your coverages and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.