Whether you use your all-terrain vehicle to cruise the trails of the Big Boys Playground in Harrisonburg or you use it to go off-road on your own property in Charles City, Virginia offers many miles of off-roading enjoyment for ATV enthusiasts. As such, you want to make sure you have comprehensive ATV insurance in place to protect your ATV and your personal finances in case you are involved in an accident or incident. Before you search for quotes, however, make sure you inform yourself on the “whats,” “whys” and “hows” of ATV insurance.
Here are some facts according to the Consumer Product Safety Commission:
Chances are you have invested a lot of money in your ATV. One accident can cause costly damage that leaves your ATV parked indefinitely while you wait to afford repairs. One accident that leaves another person injured could leave you facing huge medical bills and even a lawsuit. Just as auto insurance protects drivers from severe financial liability, so too does ATV insurance protect riders against these possibilities.
Most insurance providers in VA offer policies for all ATV models, including, but not limited to, the following:
Although Virginia does not require all riders to carry insurance on their ATVs, ATV owners and riders must abide by the following:
Additionally, some ATV trail organizations require you to carry your own insurance before hitting their trails. Other organizations, like the Charles City Dirt Riders, require you to pay membership dues, some of which go toward paying for the organization's own insurance policy.
Most Virginia insurance providers offer the following options for ATV coverage:
Because ATVs and their riders have so many differences, it is difficult to estimate average insurance quotes.
Virginia insurance providers will take some or all of the following into account when calculating your ATV insurance quotes:
Quotes for a 45-year-old woman who uses her ATV around her own property occasionally will be far less than quotes for a 22-year-old man who goes off-roading on a number of Virginia's ATV trails every weekend.
Riding Virginia's trails knowing that you have insurance protection in the event of damage or injuries will make your ATV riding experience all the more pleasurable. A knowledgeable independent insurance agent in the Trusted Choice® network can answer any questions you may have on your ATV insurance, suggest coverage options and even help you file a claim.
Contact an agent in your area to find out how you can start riding with ease, knowing your ATV is covered.