What is ATV Insurance?

All-terrain vehicles can serve both practical and fun purposes, but any use of these vehicles comes with some risk. There are around 100,000 ATV-related injuries and 650 ATV deaths each year in the United States according to the Consumer Product Safety Commission. ATV insurance won’t prevent a tragedy on the road or trail, but it can protect Massachusetts ATV owners from the financial fallout that often accompanies an accident.

ATV insurance is a specialized form of personal insurance that’s designed with ATV owners in mind. Most policies have several coverages that work together to afford robust protections.

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Who in Massachusetts Needs an ATV Policy?

Most owners of off-road vehicles in Massachusetts should insure their vehicles, and an ATV policy is usually the best way to cover a four-wheeler or other all-terrain vehicle. Without insurance, owners can be left dangerously exposed to risk as an accident could have financially devastating consequences. (Owners of snowmobiles and other types of off-road vehicles that aren't ATVs will likely find that a slightly different policy is better for their vehicle.)

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ATV Insurance Massachusetts

What Protections Are Available Through ATV Policies?

While most ATV policies are package policies that offer multiple protections, the exact protections that any one policy makes available vary. Some of the more common coverages that owners might find in a policy include:

  • Comprehensive and Collision Coverage, which might cover damage to an ATV itself
  • Property Damage Liability Coverage, which might cover damage to other property
  • Accessories Coverage, which might cover safety items and aftermarket gear
  • Personal Injury Protection, which might cover injuries that riders on an insured ATV sustain
  • Bodily Injury Coverage, which might cover injuries that people not on the insured ATV sustain
  • Underinsured and Uninsured Motorist Coverage, which might cover accidents caused by improperly insured drivers and riders

Some policies may offer additional coverages as options. An insurance agent who’s familiar with these policies can explain all of the protections that are available in a policy and help owners determine which coverages are right for them. 

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Do ATVs Need To Be Insured Over the Winter?

Some ATV owners want to cancel their insurance policy when they put their vehicle into storage for the winter. While the motivation to save on premiums is certainly understandable, canceling coverage altogether can be a risky move. Should an ATV be damaged or stolen while it’s in storage, owners would have to pay for the damage or loss out of pocket.

Instead of canceling an ATV policy, owners can make adjustments to their ATV policy when they’re done using the vehicle for the season. Some coverages can safely be dropped while others are kept intact, thus providing premium savings while simultaneously keeping the ATV properly insured against potential damage and theft. 

If owners would like to do this, an insurance agent can help make the appropriate coverage adjustments. Owners just need to remember to readjust their coverages before they take the inaugural ride next season.

Are ATV Policies Expensive?

Premiums for ATV policies vary, but coverage generally is affordable. Some of the items that can influence cost include the:

  • Fair-market value of the vehicle
  • Location where the vehicle is kept
  • Claims history of the owner
  • Coverages chosen

Whether aftermarket parts are installed on an ATV can also have an impact on premiums.

ATV Insurance Massachusetts

How Can ATV Owners in Massachusetts Get ATV Insurance?

If you own an ATV in Massachusetts and need insurance for it, contact the independent insurance agents at Haberman Insurance Group. Our agents can compare ATV insurance policy options from multiple insurers with you, and we have the expertise necessary to guide you toward the most appropriate option for your needs.

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