What You Need To Know About Snowmobile & ATV Coverage

As we eagerly await the snowy weather for sledding and snowmobiling, we’ve taken this time to refresh our memory on ATV & Off-Road Vehicle Insurance and safety tips.

Is ATV/Off-Road Vehicle Insurance Required?

ATV Insurance is not required in every state, but it is required in certain parks, recreation areas, and states. Wisconsin does not require ATV/snowmobile insurance. However, if you crash into another snowmobiler, cause an accident crossing a road, etc, this will help provide coverage for injuries or damages you’ve caused. Be sure to consider increased limits for better protection.

What Does ATV/Off-Road Vehicle Insurance Typically Cover?

Collision Coverage

  • If you’re involved in an accident like sliding into a fence or crash into another snowmobile, collision coverage can help pay for the cost of ATV/off-road vehicle repairs

Bodily Injury and Property Damage Liability Coverage

  • If you cause a car accident that injures someone while crossing a road or highway or hit another snowmobiler, this will cover property and bodily injuries that you caused to others in the collision

Comprehensive Coverage

  • This can help pay for repairs or replacement if your snowmobile is stolen or damaged outside of a collision (ie. intense weather like hail, vandalism, etc.)

Does ATV/Off-Road Vehicle Insurance Cover Passengers?

Some policies cover passengers, but others do not cover them unless you buy that specific coverage. If you know you’re taking riders along with you, consider speaking with your agent or insurance company to find out how to cover them in the event of a crash resulting in injuries and medical expenses.

How Much Does ATV/Off-Road Vehicle Insurance Cost?

The cost for insurance varies. This depends on the coverage you buy and the type of machine you drive. Most policies average between $300-$400. Insurance companies will consider multiple variables when quoting the cost. These may include…

  • The state you live in
  • The make and model of your off-road vehicle
  • The age of the driver
  • Intended use (business, recreational)

Is ATV/Off-Road Vehicle Insurance Required?

ATV Insurance is not required in every state, but it is required in certain parks, recreation areas, and states. Wisconsin does not require ATV/snowmobile insurance. However, this does not mean you shouldn’t consider it. If you get into a collision without proper coverage, you can find yourself in a costly lawsuit.

Make sure to give us a call about having coverage for your ATV/snowmobile so you can hit the trails this season with peace of mind.

Recommended Posts

Start typing and press Enter to search

Fireplace safety.Winter weather hazards.