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Understanding ATV Insurance
Whether you're taking a smooth ride across the desert  or four-wheeling the muddy fields, you need to make  sure you are protected with accurate ATV coverage.  Not only do you want to protect the ATV you have  invested in, ATV insurance is required in most states  if you’re driving on state-owned land. AIS RV knows  you love your ATV, so why not make sure you have  the proper ATV insurance coverage before you hit  the trails.
Keep in mind; you will also want to make sure you are  protected if your ATV is damaged or stolen. Your homeowners’ policy may not cover your ATV once it leaves your home, so getting the right coverage is important before you get on (or off) the road. Contact AIS RV today at (800) 449-8943 to speak to one of our specialists who will be able to walk you through the different coverages available. We will help you build a policy specifically designed for your lifestyle and give you the peace of mind and protection you need.
- Liability Bodily Injury and Property Damage
- Guest Passenger Liability
- Uninsured/Underinsured Motorist
- Comprehensive and Collision
- Medical Payments
This coverage is to protect against legal (financial) responsibility for bodily injury and property damage in an ATV accident which is held to be the operator's fault.
The carrier may offer guest passenger liability as a separate coverage, which would cover injury to a passenger in an accident which was the fault of the operator of the ATV the passenger was riding.
This provides coverage for the operator and passenger(s) of a vehicle when injured in an accident which is the fault of someone that carries no insurance or not enough insurance. It covers bodily injury and may cover property damage depending on the state.
Comprehensive and collision cover damage to an insured's ATV. Comprehensive covers loss caused by such things as theft, vandalism, fire, etc. Collision is an impact of an ATV with another object or person. This coverage pays for damage to the ATV in the event of the above and is usually subject to a deductible.
An optional coverage which pays for the medical expenses of the named insured, members of his/her family, and passengers of his/her vehicle if injured in a collision accident. The named insured and relatives are also covered if struck as a pedestrian. This coverage is excess to any other medical insurance. AIS will help you customize the right policy for your adventures.
Our specialists are trained to help you assess your needs and select the most appropriate coverage. Call us today at (800) 449-8943 or simply provide some basic contact information on the next page and let us contact you for a quote.
After you complete your request to be contacted, you will receive a phone call from a qualified AIS RV specialist who will walk you through the quote process and present the best combination of price and coverage to fit your needs.
Question: What is the difference between an ATV and a UTV?
Answer: A UTV is usually a two person vehicle that includes a truck bed and roll cage. An ATV is usually a one person vehicle with handlebar steering.
Should You Carry ATV Insurance?
Most states do not require an owner of an ATV (All-Terrain Vehicle) to carry vehicle insurance since these vehicles are not street legal and were intended for off-road purposes. But this does not mean that you should skip buying insurance for your ATV....