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Frequently Asked Questions

ATV Insurance FAQ

Will My Homeowners Insurance Cover My ATV?

Homeowners insurance policies generally do not provide protection for All-Terrain Vehicles (ATVs) as these policies typically exclude all motor vehicles from coverage.

Will My Car Insurance Cover My ATV?

Your car insurance typically does not cover other motorized vehicles. If you have an accident while towing your ATV on a trailer, you may have some coverage, but it’s best to check with your insurance agent.

What is the Difference Between an ATV and a UTV?

An ATV is a vehicle designed for off-roading with one rider, while a UTV is designed to haul heavier loads and can accommodate more than one person.

Does ATV Insurance Cover My Passengers?

Yes, your liability insurance should help pay for any injuries that your passengers suffer if you have a covered event.

Does ATV Insurance Cover Me if My Friend is Driving and Gets in a Wreck?

Usually, your insurance covers the vehicle. So, if your friend is a licensed driver, you’re covered. But, it’s a good idea to talk to your agent to understand your policy better.

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