Protect your favorite off road vehicles with an ATV policy from Encore Insurance. We have access to multiple insurance companies to find you the best prices. Call 248-466-0200 today!
Riding an ATV through the wilderness represents one of the most exhilarating activities for Michigan’s outdoor enthusiasts. The rush of powering over a sand dune or weaving through a forest draws in thousands of new riders every year. However, accidents happen—and when they do, an ATV insurance policy will save you a lot of time, money, and heartache.
ATV Insurance in Michigan
At Encore Insurance Group, we offer all available forms of ATV insurance. Whether you wish to cover yourself against injuries and property damage or protect your ATV against cosmetic damage inflicted by inclement weather, we have the best ATV insurance policy for you. Below, discover the different types of ATV insurance and what they cover.
What Does ATV Insurance Cover?
Owners of all-terrain vehicles can modify their insurance policies to increase or decrease coverage depending on their specific needs. Some of the most common incidents covered by ATV insurance include:
- Falling objects, such as tree branches or hail
The policies that cover ATVs are similar to those that cover other small vehicles. Some of the vehicles that we insure include:
- Dirt bikes
- Dune buggies
- Golf carts
Types of ATV Coverage
Like policies for cars and trucks, ATV insurance comes in different forms to meet the specific needs of vehicle owners. The main types of ATV coverage include liability, collision, comprehensive, and uninsured motorist.
Liability coverage is insurance against bodily injuries and property damage. If you are at fault, liability insurance will cover medical bills, vehicle repairs, attorney fees, and more.
Collision coverage protects you against damage sustained by your ATV. Even if you caused the accident, collision insurance will cover the cost of repairs and replacement parts for your ATV.
Comprehensive coverage provides protection against events beyond your control, like acts of God or criminal activity. As the best insurance for an ATV, it covers things like theft, vandalism, flooding, hail damage, and more.
For most vehicle owners, their worst nightmares involve collisions with uninsured motorists because the legal complications that arise delay compensation. Uninsured motorist coverage makes you whole again while the insurance companies sort out the details.
Consequences of Causing an ATV Accident with No Insurance
In the State of Michigan, ATV owners do not need to carry ATV insurance. However, that does not make it a good idea to ride around at high speeds without any coverage. Below, we have outlined some of the consequences of causing an ATV accident with no insurance.
Out-of-Pocket Payment for Losses
The cost of an ATV accident can run into the millions of dollars, depending on the extent of the injuries and damage to property. For most people, this can translate into a massive court judgment, wage garnishments, and a financial burden that might never get paid off.
When an uninsured person has an ATV accident, it can take months or even years to receive the compensation needed to pay medical bills and legal fees. This delay in compensation may result in unfortunate, preventable hardships.
Loss of Peace of Mind
When you cruise through a field on your ATV, worrying about how you would pay for an accident should be the last thing on your mind. Enjoy your ride a little more than you otherwise would by taking out an insurance policy to protect yourself against unforeseen events.
ATV Insurance Rates
ATV insurance rates vary widely based on a number of factors. Some of the variables that can impact how much you pay for your ATV insurance include:
- Your age
- Type of ATV
- Driving record
- Frequency of use
- Type of riding (competitive, casual, unmarked trails, etc.)
- Your budget