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.