why you need ATV Insurance

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Spot On Coverage

Some ATVs we help find coverage for:

Utility
Quad
Side-by-Side

NOT REQUIRED, UNLESS…

You have a loan on your All-Terrain Vehicle (ATV).                                                                                        . 

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

YOUR MEDICAL EXPENSES:

Ensure coverage for medical expenses for you and your passengers in case of an accident.

PROTECTION FOR YOUR ATV:

The two standard coverages do not provide protection for damage or replacement of your ATV.  To ensure coverage for your ATV, Collision and Comprehensive coverages are needed.

There are Two Standard ATV Coverages:

Bodily Injury Liability (BI):  

This coverage pays for the medical expenses of others if you’re at fault in an ATV accident.  BI coverage extends to passengers in other vehicles, pedestrians, or cyclists who may be injured.  BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries to you or your passengers.  To ensure coverage for injuries sustained by you or your passengers, you must purchase optional medical coverage.

Property Damage Liability (PD):  

This coverage pays for the costs of repairing or replacing another person’s damaged property if you are found at fault.  PD covers repairs to their vehicles, buildings, and other damaged property.  

However, PD does not cover damage to your ATV.  To cover damages and repairs to your ATV, you must purchase optional Collision and Comprehensive Coverages.

Optional ATV Insurance Coverages:

Collision Coverage:

Helps pay to repair or replace your ATV after an accident, regardless of fault.

Example: While avoiding a deer running into the road, you end up plowing into a tree, causing $2,000 in damage to your ATV. With a $500 collision deductible, you’ll cover that amount, and your insurance company will cover the remaining $1,500.

Comprehensive Coverage:

Protects against non-collision events out of your control, such as theft, fire, vandalism and more.

Example: Your ATV is damaged by a hailstorm, resulting in $1,500 of damage. With comprehensive coverage and a $250 deductible, your insurance company will pay $1,250 and you’ll pay $250 to get your ATV fixed.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

Protects against injuries and property damage caused by a driver with little or no insurance.

Example: You’re rear-ended in your ATV by a driver who doesn’t have insurance. UM/UIM can cover your $10,000 medical bill and ATV repairs up to your $100,000/$300,000 limits. Your bills are paid in full because they do not exceed the coverage limits.

Medical Coverage:

Pays for injuries sustained by you or your passengers, regardless of fault.

Example: You lost control of your ATV and crashed, resulting in injuries that required $10,000 for medical care and rehabilitation. With a $20,000 medical coverage limit, your policy covers all your bills.   

Roadside Assistance Coverage:

Covers towing services if your ATV breaks down for any reason.

Example: You’re physically unable to change a flat tire, and you need help. Fortunately, you have roadside assistance coverage with a $100 per tow limit, which pays to get your ATV to the nearest repair shop.

Optional Equipment Coverage:

You have the flexibility to choose the coverage amount needed to re-customize or restore your ATV. With comprehensive and collision coverage, you’ll automatically get $3,000 of coverage for upgrades, customizations, equipment, and your accessories. If that amount is insufficient, you can purchase up to $30,000 in additional coverage. 

Example: The $250 cargo rack you added to your ATV for hauling equipment was stolen.    It was covered under the basic limit of this coverage.          

Carried Contents Coverage:

Protects any personal effects you’re carrying when a covered loss occurs, including theft.

Example: Your smartphone, wallet, and camera were stolen from your ATV’s storage compartment. The cost to replace the stolen items was $500, which was covered by your carried contents coverage.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Payment Discounts:

Automatic Payments:  Receive a discount for setting up automatic payments from a checking account, credit card, or debit card.

Pay on Time:  Receive a discount automatically with your first ATV policy, and you’ll continue to receive it at every renewal if you continue to pay on time.

Pay in Full:  Save by paying for your entire premium upfront rather than making monthly payments.

Safe Driving Rewards:

Safety Course Discount: Get a discount by completing an approved ATV safety course.

Safe & Steady Rider Discount:  You can qualify for a discount if you’re at least 45 years old, with more than three years of riding experience, and have had no accidents or motor vehicle violations in the past three years.

Responsible Driver Discount:  Earn a discount if you’ve maintained a clean driving record with no accidents or motor vehicle violations for the past three years.

Policyholder Savings:

Switch & Save Discount: Receive a discount when you switch from your current carrier to another one.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Here are some things to consider when deciding whether to file a claim:

  • Was anyone injured in the accident?
  • Did you cause damage to someone else’s property or vehicle?
  • Is your ATV unsafe to drive?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, it’s advisable to consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Step 1: Document the Scene

  • Take photos of the damage to all vehicles involved.
  • Capture the positions of the vehicles.
  • Photograph the license plates of the other vehicles.

Step 2: Exchange Information

  • Share insurance details with other drivers and note any passengers.
  • Contact the police to assist with information exchange and file a police report.
  • Try not to apologize or make statements that could be construed as admitting fault.

Step 3: Collect Additional Information

  • Make note of the accident location.
  • Make note of the towing company if your ATV requires towing.

Step 4: Notify Your Insurance Carrier

A deductible is the amount of money you must pay out of pocket for covered expenses before your insurance coverage begins to apply.

For example, if your ATV insurance collision deductible is $250 and you incur $1,000 in damages, the insurance company will pay the repair shop $750, and you would be responsible for paying your $250 deductible.

All-Terrain Vehicle liability coverage limits in Michigan apply to Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages.

They are typically written out as three numbers like 25/50/25. Here’s what they mean:

  • $25,000 limit per person for Bodily Injury in an accident
  • $50,000 total limit per accident for Bodily Injury

$25,000 limit per accident for Property Damage.

Absolutely. We utilize secure encryption technology to ensure the safety of your personal information. When it comes to your application, we never access your data without your prior approval.  Additionally, we will never sell your data to any third party.

Yes, we suggest obtaining an estimate before initiating a claim.  Once you have your estimate, please give us a call to discuss your options. We’ll also review your policy with you to determine if your estimate exceeds your deductible.

We offer insurance solutions for all your personal needs, including auto, home, life, health & more. Additionally, we offer products to meet all your business needs, such as liability, property, trucks & more.  But that’s not all!  We also offer a wide array of car care, safety, and security products. 

If you have other questions, you can call, text, email, or live chat with a real person at Insurish who is standing by to assist you. Regardless of how you contact us, we will respond immediately.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.