The use of ATVs for recreation is growing in popularity in Pennsylvania. Riding an ATV can be hazardous, particularly for inexperienced or untrained drivers. Before using your ATV, UTV, or side-by-side, you should be sure you obtain the proper Pennsylvania ATV insurance coverage to protect your investment in your property and your potential liability for injuries and property damage.
Finding affordable coverage might be a challenge. Researching online or by calling around might take time without the proper guidance or resources. Your best bet is to contact an independent agent in the Trusted Choice® network to be sure you find the Pennsylvania ATV insurance that is right for you. Find an agent in your neighborhood today to get started.
ATV Accident Facts
- In one year, there were 590 deaths and 115,000 injuries arising from ATV use
- 25% of those deaths were children under 16
- Between 1982 and 2007, there were 459 deaths in Pennsylvania related to ATV use
Pennsylvania ATV Laws
The State of Pennsylvania requires that all ATVs be registered and carry liability insurance. No minimum amount of liability insurance is required but you must have proof of coverage with you when using your all-terrain vehicle. The minimum liability limits that most companies offer are $10,000 per person and $20,000 per accident for bodily injury and $10,000 for property damage. No title is required under PA law.
Liability coverage will not protect you against damage to your ATV; it only protects you from major costs when you do damage to others. A member of the Trusted Choice network can help you compare rates and options on Pennsylvania ATV insurance, and help ensure that you are prepared for the risks you face when you ride your three wheeler, four wheeler, or UTV.
What Does ATV Insurance Cover?
You should not assume that your homeowners policy will protect your ATV or provide you with liability coverage while using it. Some policies may provide limited coverage if you use your ATV on your premises, but by far the best solution is a separate policy designed specifically for recreational vehicles.
A Pennsylvania ATV insurance policy can provide the following coverage:
- Bodily injury and property damage liability
- Uninsured or underinsured motorist coverage, in case you are in an accident caused by someone without adequate insurance
- Medical payments for injuries arising from the use of the ATV
- Collision coverage
- Comprehensive coverage for damage arising from severe weather, theft and vandalism
- Coverage for custom equipment
- Towing and emergency services
If you carry a personal umbrella policy, be sure it is endorsed to cover the ATV as well; added liability coverage can be a very smart investment when you are out on the trail with your all-terrain vehicle.
Safety Considerations for All-Terrain Vehicles
Operating an ATV is inherently more hazardous than driving a vehicle. There is no metal body surrounding you, or seat belts or air bags to limit injury in an accident. Whether you ride a 3-wheeler, four-wheeler or UTV, and how you use it, will make a difference in how safe you are on your vehicle.
Here are some things you can do to limit your exposure and improve your chances of getting the best premium on your Pennsylvania ATV insurance:
- Take an approved ATV safety course
- Do not carry passengers except with an ATV equipped with two seats
- Never ride alone; ride with others in case you need help
- Be sure you have at least one communication device with you, such as a cell phone or radio
- Wear safety helmets and goggles
- If children are driving, be sure they have an ATV light enough so they can easily maneuver it
- Ride only on approved trails
- Yield to anyone on foot
- Carry a small repair kit with you
- Never mix alcohol or drugs with ATV use
Note that most insurance companies will give you a rate credit if you complete an approved safety course. ATVs come in several types, all of which require separate training: side by side, 3 wheeler, 4 wheeler, utility vehicles (UTVs) and others. Be aware that four-wheeled ATVs are more stable than ones with three wheels.
Ask your agent for other ways to save on your annual premiums.
Shopping for ATV Insurance
Before seeking insurance quotes for your ATV, you should have the following information available:
- The location where your ATV is stored
- The year, make, model and serial number of your ATV
- The registration number
- The current value of the ATV
- Where you intend on using the ATV
- How many hours a year you intend to use the ATV
- The names and drivers license numbers of all operators
- Evidence of any safety courses you have passed
Work with a knowledgeable agent who can help you compare rates from multiple companies. Having this information on hand will ensure that the process of comparing quotes will go smoothly.
Compare Pennsylvania ATV Insurance Quotes
ATV's can offer a huge amount of enjoyment and outdoors recreation. Pennsylvania has many miles of approved trails. The secret is to follow the rules and use common sense. The other requirement is to be sure you have the proper insurance protection before you start.
An independent agent in the Trusted Choice network can help you with the many options available in this area. Contact a Trusted Choice member agent to compare Pennsylvania ATV insurance quotes and find the right coverage for you.