Does Insurance Cover ATV Accidents?

An ATV is a form of transportation that is both fun and practical. The fun part comes from their use in recreational activities like driving on sand dunes or open fields. Their practicality comes from their use in activities like farming or racing. While ATVs offer advantages that other vehicles do not because of their manoeuverability and their small size, they also present dangers that other vehicles do not have because of their rollover risk and their lack of protection for the rider. That means if an ATV rider gets into an accident, they could suffer injuries and property damage.

The question is then who pays for the expenses suffered by the victim and whether any insurance policies cover ATV accidents. The answers to those questions depend on who was at fault for the accident in the first place. However, there is such a thing as ATV liability insurance and legal experts like the ones at recommend that anyone who regularly rides an ATV get it. Keep reading to find out about the scenarios where ATV liability is necessary and where it might not be needed.

What is ATV Liability Insurance?

ATV insurance is pretty straightforward and is similar to the insurance for other kinds of vehicles like cars or motorcycles. It covers the rider if they cause an accident that injures someone else since it will take care of the injured person’s medical bills. ATV insurance also covers any property damage caused by the rider of the ATV as it will take care of any repair or replacement costs. 

It is not always necessary to have ATV insurance, especially if you are riding on land that you own; however, some states require that riders have ATV insurance if they ride on land that is owned by the state. You should check if your state requires riders to have ATV insurance, but whether or not they do, it is still a good idea to have ATV insurance if you ride an ATV on a regular basis.

When is ATV Insurance Unnecessary?

While ATV insurance is a good thing to have, it is not always needed in every accident scenario. If you were involved in an ATV accident that was caused by the negligence of another party, then their insurance company will have to pay for your medical expenses and property damage. For example, if a vehicle collided with your ATV, then the driver’s insurance policy will take care of your losses caused by the accident. 

If the accident was caused by a dangerous condition on a trail that is owned by the state, then you could file a claim against the state. There are even cases where a person’s homeowner’s insurance could kick in for an ATV accident; for example, if you got the permission of your neighbor to ride their ATV and you suffered an accident on their property. However, if an ATV accident occurred on your own property but you do not have ATV insurance, then your own homeowner’s insurance could take care of the expenses. 

Find Out Who Is Liable For Your ATV Accident

Insurance coverage is all about determining who was liable for the accident, so if you suffered an ATV accident, then you should find out who was at fault for the accident so that they can be held liable. That is why it is a smart idea to get ATV insurance if you ride an ATV regularly, because if you were liable for the accident, then the insurance will protect you and the person who was injured in the accident.