Maryland offers miles of wooded trails and open fields for ATV use. You can protect your all-terrain vehicle with ATV insurance. Quotes are easy to find, and coverage for your four-wheeler, UTV, side-by-side, or 3-wheeler can be very inexpensive. ATV insurance can save you from the financial fallout of an accident or lawsuit related to your ATV use.
The U.S. Consumer Product Safety Commission reports the following guidelines and regulations for Maryland ATV users:
An ATV policy protects you from unexpected financial loss related to the use of your all-terrain vehicle. It functions in much the same way as your car insurance. You can choose from policies that cover liability only, or you can get a more comprehensive policy that covers damage on the ATV itself. These are some of the ATV coverage options that could be included in your policy:
The type and amount of coverage you need depends on where and how you use your ATV. If you use a UTV regularly on a ranch, farm, or golf course that you own, collision and comprehensive coverage may be in your best interest, so that you can continue to get the best use out of your ATV after an accident.
The state of Maryland does not require that you carry ATV insurance, but in many cases, it is a good idea to protect yourself from financial loss by purchasing a policy that fits your budget. This is especially true if minors will be operating the vehicle. In July 2013, two boys suffered broken legs in an ATV accident in Hermanville, MD. With medical costs coverage, liability, and collision coverage, you can get peace of mind knowing that a disaster like this does not have to result in long-term financial trouble.
Quotes for insurance on your side-by-side, 3-wheeler, 4-wheeler, or UTV can run as low as $130 per year. Your personalized quote will depend on the type of ATV you own, where and how you use it, your personal driving history, and who will be allowed to operate the ATV. A local agent can give you a quote tailored to your specific situation and coverage needs.
You can get quotes on coverage for your ATV or UTV from a local, Trusted Choice® agent in your area. Independent agents make it easy to shop for ATV insurance quotes from many insurance providers. A local agent can speak with you about your ATV use and help you choose a plan and rate that fit your lifestyle and your budget. Contact an agent near you to get the ATV insurance quotes and coverage you need.