Liability Insurance – ATV insurance is similar to auto insurance. Many state laws require minimum liability coverage.You’ll have to purchase at least that much for your ATV. For example, in Idaho, the minimum limits are:
- $25,000 bodily injury liability for one and $50,000 for all injuries in an accident
- $15,000 property damage for one accident
Collision – If your ATV hits an object or another vehicle and becomes damaged, this coverage will pay for your ATV repairs (after the deductible is applied).
Comprehensive – This coverage is also referred to as other than collision (OTC).Your ATV is covered if any damage results from anything other than a collision. This would be a fire, hail, vandalism, etc.
Other ATV insurance notes – Other coverages such as medical payments, custom equipment, and roadside assistance may also be available.
If you use your ATV for other than personal use (such as for racing or for business), you’ll have to discuss what insurance options are available with your Page Insurance Agency pro.
Finally, keep in mind, most insurance carriers have age limits for ATV drivers. Your Page agent can tell you what those are.