The Georgia Farm Bureau reports that all-terrain vehicles, or ATVs, have taken the place of work horses on many farms and ranches. But these off-road vehicles are also extremely popular with recreational riders and thrill seekers. Whether you use a quad for work purposes or enjoy taking your 3-wheeler or side-by-side out to tackle the trails at the Big Nasty ATV park, a Georgia ATV insurance policy can protect your investment and help pay for medical bills or property damage if you are involved in an accident.
If you are looking for an affordable ATV policy, you can simply contact a local agent in the Trusted Choice® network for assistance. A trained, experienced professional can help you shop the market for the best solution for your unique needs. Since these are independent agents, they can provide you with multiple Georgia ATV insurance quotes from top rated companies. Contact a network agent in your neighborhood for more information.
- Georgia’s rank for U.S. ATV fatalities, 1982 to 2010: 11
- Number of Georgia ATV fatalities, 1982 to 2010: 315
- Number of U.S. ATV fatalities, 1982 to 2010: 11,001
- Number of Georgians under 16 killed in ATV accidents, 1982 to 2007: 99
Is Georgia ATV Insurance Mandatory?
It is illegal to operate these vehicles on sand dunes or on any of the state’s beaches, but beyond that there are no specific laws regarding their usage, including specific insurance regulations for drivers. ATV operators in this state are not required to carry liability insurance for their vehicles.
This does not mean, however, that ATV insurance is not important. ATV accidents are not uncommon. When they involve injuries or property damage, your potential liability expenses, medical treatments or repair costs can grow. A Georgia ATV insurance policy can protect you.
How Much Does Georgia ATV Insurance Cost?
The cost of your premium will depend on the type of ATV you own, the way the vehicle gets used, who uses the vehicle and how much coverage you purchase. This is similar to any other type of vehicle insurance. You might expect to pay anywhere from $100 to $400 a year for coverage.
A utility vehicle, or UTV, in a rural area of Georgia might get used every day for farm work. If you live in a city or suburban area like Atlanta or Augusta, you may store your ATV most of the time, and only tow it out into the country a few times a year for recreational riding or hunting. These different types of ATV owners will have very different insurance needs and considerations.
Safety Tips for Georgia ATV Riders
According to the GFB, an ATV is meant to be used off-road, and many severe accidents occur at road crossings and intersections. Other accidents stem from inexperience and not following manufacturer’s warnings.
The best way to stay safe is by taking an ATV safety course. These are available both online and in hands-on class settings. These courses can prepare you for hazards and difficulties you may encounter and can provide you with important safety guidelines and considerations that can keep you safe. Most significantly, successful completion of one of these courses can reduce your Georgia ATV insurance premiums.
Here are some important basic safety tips to keep in mind:
- Always dress appropriately and wear protective gear when riding an ATV. This includes a helmet, gloves, eye-protection, boots, long pants and long sleeve shirts.
- Never operate any type of vehicle while under the influence of drugs or alcohol.
- When riding on public trails, be sure to follow all posted rules and safety-guidelines.
- Never ride with more passengers than your vehicle is designed to carry.
- Avoid operating vehicles that are too large or too small for your size.
What Does Georgia ATV Insurance Cover?
A basic ATV policy will usually provide liability coverage if you should be responsible for injuries or property damage to a third-party while operating your vehicle. You can get more coverage by selecting among the following policy options:
- Collision insurance: This provides coverage for damages to your vehicle that result from an accident, regardless of fault.
- Medical payments insurance: This provides coverage for injuries sustained by you or your passengers if injured in an ATV accident, regardless of fault.
- Comprehensive insurance: This provides coverage for loss or damage to your vehicle that is not sustained in an accident such as that caused by fire, falling object, weather, vandalism or theft.
- Uninsured/underinsured motorist coverage: If you are injured or your vehicle is damaged by an uninsured motorist or a hit-and-run driver, this coverage is designed to provide compensation to assist with medical or repair bills.This is especially important in Georgia, where ATV insurance is not required.
How Can You Compare Georgia ATV Insurance Quotes?
Different ATV owners are likely to choose different coverage solutions. Your local Trusted Choice member agent will be happy to help you compare policies and coverage alternatives to help you find the best solution to meet your unique needs. These independent agents can use their relationships with several different insurance providers to find you a variety of policies from which to choose.
Agents in the Trusted Choice network can go beyond simply helping you find a suitable ATV insurance policy. These agents can also review your other current insurance policies, such as home or auto, to ensure that you are properly covered and are not over-paying for your policies. Contact a local agent for a selection of Georgia ATV insurance quotes today.