reporting your atv insurance claim
No one ever wants to have to file a claim, but if you need to, here's everything you need to know to expedite the process.
Filing your claim
Repair and replacement
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Filing your claim
How do I file a claim?
You can file your claim with Progressive, our ATV insurance partner, any time of the day. (Esurance doesn't underwrite or provide claims support on ATV insurance policies.) In many cases, you can access your policy online and file a claim directly. A knowledgeable claims rep will then get in touch to answer all your questions and set up an appointment to inspect the damage.
What info will I need to file my claim?
The more information you have, the better. If you were involved in an accident with other riders, follow the same procedures as a car accident. Get the contact info, insurance info (including their policy numbers), and license numbers of any other riders involved as well as the names, addresses, and phone numbers of all witnesses. Keep a camera or camera-equipped phone on you at all times so you can snap some pics of the scene too. Once you have all that info, you can file your claim with Progressive.
How soon should I file my claim?
Report your claim as soon as possible. Claims reps are available 24/7 to help you with your claim. And if your ATV needs repair, your agent can help you find a trusted repair shop.
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Repair and replacement
Do auto repair shops also fix ATVs?
Quite a few reputable auto shops will also repair ATVs.
Will my ATV insurance policy cover me if my vehicle is stolen?
Yes, as long as you have comprehensive coverage. Besides theft, comprehensive coverage also protects you against non-collision incidents such as fire and vandalism.
My ATV was totaled. Will my policy cover that?
Yes, if you have total loss coverage, which generally costs around $25 a year. Total loss coverage will pay the manufacturer's suggested retail price for a current model year ATV of the same make and model. If you do not have total loss coverage, actual cash value coverage will reimburse you for the present-day value of your ATV after a covered total loss. If you have a vintage ATV, your agreed value coverage will help you cover the cost of replacing a totaled ATV.
Did we miss your ATV claims question? Drop a line to partnerproducts@esurance.com and we'll answer your question as soon as we can.
This page is intended to provide you with general information about ATV insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.