With hundreds of miles of trails through scenic places such as Daisy State Park and the Ouachita National Forest, Arkansas offers majestic views and well-maintained paths for ATV enthusiasts. It's no secret that ATVs are becoming more and more popular throughout the state. With more ATVs on the trails and faster, more powerful models available, however, the chances of being involved in an accident that causes injuries or damages increase. You will want the protection of an insurance policy to help your ATV riding days continue without huge financial setbacks.
Before you search for ATV insurance quotes, however, there are several factors to consider.
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Arkansas ATV Statistics
According to the U.S. Consumer Product Safety Commission:
- Since ATVs became available in 1982, more than 300 people in AR have been killed as a result of ATV accidents.
- Almost 50 of those deaths ocurred between the years 2008 and 2011, showing a sharp increase in the number of ATV-related fatalities in recent years.
- Since 1982, nearly 70 children aged 16 or younger have been killed while riding ATVs.
What Is ATV Insurance?
ATV insurance operates much like car or motorcycle insurance. You pay a monthly premium and your insurance company may help pay for repairs to your ATV if it is damaged as a result of a covered event such as a collision with another vehicle.
Because there are so many different types of recreational vehicles, you may be wondering if insurance is available for your specific type of ATV. Most AR insurance providers should be able to offer a policy on the following kinds of common ATVs:
- 6- and even 8-wheelers
- Sport ATVs
- Youth ATVs
If you were able to register your ATV at your local Department of Motor Vehicles, it's very likely that you will be able to find an insurance policy to cover it.
What Does ATV Insurance Cover?
Most iinsurance companies should give you the following coverage options when you build your ATV insurance policy:
- Liability coverage: Can help pay for costs related to injuries or property damage you cause another person while operating your ATV.
- Collision coverage: Can help pay for repairs to your damaged ATV after an accident, regardless of who is at fault.
- Comprehensive coverage: Can help pay for repairs to or replacement of your ATV if it is damaged or totaled by fire, severe weather events, theft or vandalism.
- Uninsured/underinsured motorist coverage: Can help pay to cover your costs if another rider causes an accident, and does not have the insurance to pay for your expenses.
Why Is ATV Insurance Important?
The reasons that ATVs provide countless hours of fun and excitement can be the very reasons why they can be dangerous to operate.
- Most ATVs weigh several hundred pounds, making them very dangerous if you roll and become trapped beneath the machine.
- ATVs can travel off-road where there are unknown risks such as sliding rock piles and debris that can cause accidents.
- Many ATVs are powerful vehicles and inexperience in operating them can lead to uneccessary risk-taking and accidents.
The physical risks are just part of the equation, however. After all, part of the thrill is taking a few risks. Another thing to consider is that a single ATV crash can cost thousands of dollars in repairs, property damage and medical treatment if there is an injury. Obtaining an ATV insurance policy will provide help when accidents do happen.
Am I Required to Carry ATV Insurance in Arkansas?
Although AR law does not require you to carry ATV insurance, legislation is pending and it may soon be mandatory. The state does have this to say about ATVs:
- An ATV can be titled if registered by the owner.
- All 3- and 4-wheeled ATVs are required to be registered, and the owner shall receive one numbered decal to be placed on the ATV.
- No ATV shall be operated without a lighted headlight and taillight from half an hour after sunset to half an hour before sunrise.
- A person under 12 may not operate an ATV unless with a person 18 or older, on a parent’s land, or with the permission of the land owner.
- ATVs may not be used on public streets or highways, except to cross these roads, or to get from one field to another for farming or hunting. An ATV may be used on public streets outside city limits to get to private property or from one trail to another.
Be sure to follow all state and local guidelines when operating your ATV, and don't forget to use safety equipment such as helmets and padded clothing.
What Will My ATV Insurance Quote Look Like?
No two ATVs and their riders are exactly alike, and therefore, no two ATV insurance quotes will be identical. Most insurance companies take several factors into consideration when calculating your ATV policy quote, including:
- Your driving record
- The top speed of the ATV
- How often it is used and where
- Your credit history
- The ages of the allowed drivers
- Your age and gender
A 45-year-old woman who uses her ATV once in a while on a ranch will likely see lower quotes than an 18-year-old man who rides his ATV on public trails every weekend. Most Arkansas residents should be able to find an ATV insurance policy for a few hundred dollars per year.
Where Can I Find ATV Insurance?
You may not want to eliminate all risk from ATV riding, but you certainly want to avoid paying thousands of dollars more than you may otherwise have to following an accident.
Knowledgeable, independent insurance agents on the Trusted Choice® network are always available to answer your questions, suggest coverage options, and even assist you in filing a claim. These agents have years of experience working with Arkansas insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can obtain the perfect ATV insurance policy that meets your riding needs and budget.