Owning an ATV, UTV, or side-by-side is like owning the keys to the great outdoors. These resilient vehicles offer up both adventure and practicality, whether you use them recreationally or for work around your land. At Insurance Broker Direct, we offer ATV and UTV insurance that stands up to the risks of owning and riding four-wheelers and utility vehicles. When you work with an independent agent at our local Lafayette office, you get access to coverage options designed to save you money – all the while protecting you against physical and financial loss.
Accidents, Injuries, and Other Risks
Off-road vehicles are expensive to repair and replace. Because they can take on muddy, rocky, jagged, and uneven surfaces, these vehicles are often subject to damage, as well as theft. Also, riders are sometimes involved in accidents caused by unexpected obstacles, drop-offs, and even other riders. Insurance can help you protect yourself, your riders, and your investment, helping you continue taking on harsh terrain with minimal out-of-pocket loss. An ATV policy from Insurance Broker Direct can also include built-in protections for risks when you aren’t riding, such as for fire or vandalism.
Although homeowners insurance may provide some minimal protections related to four-wheeler ownership, we generally recommend purchasing a separate policy dedicated to riding risks. Homeowners coverages are usually minimal and highly restrictive, and they may not even apply to damages and liabilities that occur outside your private property. That means you may not be allowed to ride on certain public land areas, such as state parks, that sometimes require proof of coverage. Talking with an independent Indiana ATV insurance agent can help you understand your coverage needs before you need them. Do not wait until an accident happens to find out if your coverage is sufficient.
Understanding ATV, UTV, and Side-by-Side Coverage Types
ATV and UTV insurance policies are thorough, with multiple coverage types to address many different loss scenarios. From third-party injury and property damage lawsuits to rider injuries and damages to your side-by-side, coverage is customized to your unique needs. When you purchase coverage from Insurance Broker Direct in Lafayette, Indiana, your policy may include protection for:
Physical Damages
In the same way that collision and comprehensive coverage protects your car on your auto policy, the physical damages coverage in your ATV/UTV insurance helps protect the value of your off-road vehicle when it is damaged in an accident or other covered event, such as by a falling object. Insurance helps pay the cost of physical and mechanical repairs, or it can reimburse you for the value of your ATV or UTV if it is stolen or damaged beyond repair. Whether a tree smashes your parked ATV or you run it into a tree, ATV insurance can help take care of the bill minus your deductible. Talk to your agent to learn more about how you can protect against damages and loss due to collision and non-collision events.
Liabilities
You never know when a ride can take a bleak turn, resulting in injury to another person or damage to someone else’s property. Liability insurance can help safeguard you against third-party lawsuits and accident-related expenses for which you are liable. Whether you run over someone’s pet, back into the side of a car, or knock over a fence, ATV liability insurance can help cover the costs, as well as your legal fees. Talk to your agent about your bodily injury and property damage liability limits for help deciding how much coverage is right to protect your income and assets against judgments, settlements, and more.
Injury
ATV and UTV riders are at risk of injury when operating an off-road vehicle. Injuries can range from mild to severe, and they may incur expensive medical bills. Talk to your agent to determine how you can protect yourself and your passengers with coverage that provides limited reimbursement of accident-related medical bills, regardless of fault.
Special Off-Road Equipment
If you’ve outfitted your all-terrain vehicle with all the bells and after-market whistles, you may need additional coverage on your policy to protect the value of your upgrades. While standard physical damages coverage typically includes protection for the factory features on your side-by-side, you will likely need an additional coverage rider to take care of expensive add-ons and special equipment.
Calculating ATV/UTV Insurance Coverage and Costs
It is impossible to know what the future will hold regarding your coverage needs. However, you can make calculations based on your risk exposures. Your independent agent will help you understand the types of scenarios you could face and the cost of the losses that could occur consequentially. Depending on how often you ride, where you ride, and other contributing factors, we can help you determine how much ATV/UTV insurance coverage may be right for you.
As an independent agency, Insurance Broker Direct aims to help Indiana off-roaders find competitive rates on the coverage they need. We compare policies and also search for discounts our clients may qualify for. Sometimes insurers will offer additional savings for policy-holders who meet certain criteria, such as an accident-free or claims-free riding history. Discounts may also be available to those who pre-pay premiums, purchase multiple coverage lines, insure multiple ATVs on the same policy, or enroll in approved rider safety courses.
Request Your Free ATV Insurance Quote
To find out more about Indiana ATV insurance or to request your free quote, contact Insurance Broker Direct to speak with an independent agent today. We look forward to serving you soon.
