ATV insurance coverage

ATV insurance policies feature 4 main coverage options: liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Before customizing and buying your policy, find out how each coverage offers financial protection from unexpected ATV expenses.

Liability coverage: for at-fault accidents

Liability coverage protects you if you're found at fault in an accident. When it kicks in, it helps pay for other riders' medical bills as well as property damage you caused, up to the coverage limits you choose.

Some states — like New York, for instance — require you to carry liability insurance if you're riding anywhere other than your own backyard. Check with your state's department of insurance to see whether or not ATV insurance is required.

Collision coverage: for collisions (naturally)

Collision coverage can help you repair or replace your vehicle if you hit an obstacle (like a boulder or tree) or another ATV. Collision coverage can pay for repairs up to the actual cash value of your vehicle, minus the deductible you choose. (A higher deductible can help keep your rates low, but on the flip side you'd pay more out-of-pocket if you get into an accident.)

When it comes to significant damage (and you'd be amazed how many things can break if your ATV flips), collision coverage is there to help fix up your ride.

Comprehensive coverage: for the other things

Comprehensive coverage offers financial protection for your ATV and its accessories against hazards other than collisions — things like fire, theft, and falling tree branches.

Comprehensive can also cover custom parts and equipment and help pay for damages if you hit an animal on the trail. Like collision, comprehensive can pay up to the actual cash value of your ride if it's deemed a total loss, minus the deductible that you select.

Uninsured/underinsured motorist coverage: just in case

If you're hit by an uninsured driver, uninsured motorist protection will help make sure you don't get stuck paying injury or property damage costs yourself.

And if a rider with insufficient coverage limits runs into you, underinsured motorist coverage can help bridge the gap between what that at-fault motorist can pay and what your injury or damage bills actually cost — as long as the total cost falls within the coverage limits you choose.

Don't wait to get ATV coverage

You never know when your ATV policy will come in handy. Grab a free ATV insurance quote now to stay ready for whatever the trail throws at you.

To learn more about all of your ATV coverage options when you buy through Esurance, call 1-866-455-1980.