Nevada is one of the best places on earth to own an ATV. Only here can you choose from mountains, ranches, lakefronts and even salt flats for your enjoyment. You can protect yourself financially by making sure you have the right ATV insurance before you ride. Quotes on an ATV insurance policy come in a wide range of coverage options and prices. Whether you ride a three-wheeler, four-wheeler, UTV or side-by-side for work or pleasure, you take on financial risk every time you hit the gas pedal. ATV insurance can keep those risks to a minimum.
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ATV Use in Nevada
- ATVs remain largely unregulated by NV law, with no titling, training or age requirements mandated by the state.
- Riders can ride ATVs in NV state parks only in designated areas.
- Riders cannot ride ATVs on NV highways.
Aside from some of the most unique ATV destinations in the U.S., Nevada offers unrivaled freedom to ATV users. Practically anyone can ride, at any age. However, the Consumer Product Safety Commission recommends that all riders wear appropriate safety gear and take a training course offered locally. Twenty-four percent of all ATV fatalities occur in riders under the age of 16, so it's important that minors receive proper instruction and not take on more horsepower than they are ready to handle safely.
Who Needs ATV Insurance in Nevada?
Just as car insurance protects you from the cost of accidents and legal claims related to highway accidents, ATV insurance can help you recover from an accident without breaking the bank.
More than 107,000 ATV accidents result in hospitalization each year in the U.S. alone. Without ATV insurance, the cost of medical payments, repairs and legal claims falls on your shoulders. If you cause an accident that results in property damage or injury to someone else, you could face court settlements and an expensive legal defense.
An ATV policy can reduce your financial risk by covering a portion of an ATV accident. If you do not have the cash on hand to take care of these costs by yourself, then all-terrain vehicle insurance is a good investment in your financial safety.
What Does ATV Insurance Cover?
You can get quotes on a customized ATV insurance policy to fit your vehicle and your riding habits. Coverage comes in many forms, including the following:
- Liability: Helps with the cost of court settlements and your legal defense if someone brings a bodily injury or property damage claim against you after an accident
- Collision: Covers part of the cost of repairs to your all-terrain vehicle if you crash with an object or another ATV
- Comprehensive: Can help with other than collision damage, such as hail damage, garage fires, towing accidents, theft and vandalism
- Uninsured/underinsured motorist: Can help with the cost of an accident caused by someone who lacks sufficient coverage
- Medical payments: Can help with hospital bills for you and other riders in your family after an accident
If you have young riders in your family, it is especially important that you get sufficient liability and medical payments coverage. More than 25 percent of ATV accidents involve kids less than 16 years of age.
Types of ATVs Covered by ATV Insurance
The cost of your ATV policy will depend in large part on the type of ATV you use, how new it is, how much horsepower it has and how you use it. For example, a UTV or side-by-side used primarily for ranching might cost less to insure than a similar UTV used in the mountains for hunting.
Smaller, faster ATVs like 3-wheelers and 4-wheelers carry higher risk of injury and accident and may cost more to insure than a stable, steady UTV. If you often ride the sand dunes or race, you may need to purchase extra liability coverage.
Get Great Quotes on ATV Insurance Coverage
You can get accurate, customized quotes from a local agent in the Trusted Choice® network. Trusted Choice agents are independent, which means they can shop many different insurance providers to find the one that has the coverage you need at the best possible price.
Contact an agent in your area to get the ATV insurance quotes and coverage you need.