ATV Insurance from Massachusetts Specialists

What is ATV insurance?

All-terrain vehicles (ATVs) are a popular choice among Massachusetts residents for both practical and leisurely activities. However, the use of ATVs in any way is inherently associated with a certain degree of risk. From accidents to theft, ATV insurance may help residents who have these vehicles protect against a range of risks.

ATV insurance is a specialized form of vehicle insurance designed specifically for all-terrain vehicles. These policies incorporate similar coverages to auto insurance but are tailored to accommodate the unique nature of off-road usage.

Which Massachusetts residents need four-wheeler insurance?

Although Massachusetts law doesn’t mandate four-wheeler insurance, it’s highly recommended for most ATV owners. This is usually the best way to protect against on-trail and off-trail accidents.

In cases where an ATV is leased or financed, owners are likely obligated by their agreement to carry some insurance. Lenders often insist on certain coverages so that their financial interest in the vehicle is protected.

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What coverages are offered by ATV policies?

ATV policies often incorporate a wide range of coverages, mirroring several protections found in conventional auto insurance policies. The typical coverage options include:

  • Personal Injury Protection (PIP): May cover injuries sustained by riders on the insured ATV while the vehicle is in use.
  • Bodily Injury Liability Coverage: May cover injuries to people not on the insured ATV, resulting from accidents involving the vehicle.
  • Comprehensive Coverage: May cover non-accident related damage to an ATV, possibly including damage from falling objects, theft and other similar incidents.
  • Collision Coverage: May cover accident-related damage to an ATV, usually including accidents with other off-road vehicles and with cars.
  • Accessories Coverage: May cover damage to or loss of accessories like helmets, trailers and aftermarket parts when they’re stored on the ATV.
  • Property Damage Liability Coverage: May cover damage to other ATVs or property that occurs during accidents.
  • Underinsured and Uninsured Motorist Coverage: May cover incidents with other ATVs whose owners don’t have adequate insurance.

Underinsured and uninsured motorist coverage can be especially important since Massachusetts doesn’t mandate that all riders have four wheeler insurance.

While many of these coverages are similar to auto policies, they are designed specifically for ATVs and their associated risks. Therefore, auto policies usually do not provide appropriate coverage for ATVs.

Can homeowners insurance be relied upon for ATV coverage?

In some cases, homeowners insurance may provide some level of coverage for an ATV, including potential damage to the ATV, injuries resulting from ATV accidents, and other associated risks.

Homeowners policies don’t always provide robust coverage for ATVs, though, and some policies might not offer much coverage at all. When coverage is provided, it may only extend to smaller ATVs that have relatively low-power engines.

An insurance agent specializing in four wheeler insurance policies can assist in determining whether a homeowners policy provides adequate ATV coverage. If your homeowners policy doesn’t provide adequate coverage, the agent can help you find a four wheeler policy that does.

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Can four wheeler insurance be canceled during the offseason?

During periods of non-use, such as the winter months for many residents, some ATV owners may consider canceling their insurance policy. Canceling coverage altogether isn’t broadly recommended, though.

When coverage is fully canceled, an ATV isn’t protected against potential incidents causing damage. For example, there’d likely be no recourse for vandalism, theft, fire, or a falling board from a barn roof.

Rather than canceling a policy altogether, owners might be able to adjust coverages. Adjusting coverages might result in lower premiums while maintaining the protections that are important when an ATV is in storage. Coverages can then be readjusted when the vehicle is gotten out of storage.

If adjusting coverages for off-season storage, owners should work with a knowledgeable insurance agent. An agent can ensure that the adjustments keep important protections in place, and they might make a note to contact the ATV owner during spring when coverages probably should be readjusted.

How can residents get ATV Insurance?

For assistance with insuring an ATV in Massachusetts, contact the independent insurance agents at The Feingold Companies. Our agents will help you compare ATV insurance policies from multiple insurers, and work with you to identify the best one for your four wheeler.

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The Feingold Companies

Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030

New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090

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