All-terrain vehicles (ATVs) are used to adventure all types of terrains, ranging from the woods to open fields. While ATVs are specially-designed for safety, they are still vulnerable to accidents. But don’t worry because ATV insurance from The Insurance Outfit of Chester, NJ can protect you and your vehicle as you immerse yourself in a world of fun. But what does ATV insurance cover? Is it mandatory? Here is a FAQs section to help you learn more about ATV insurance.
Is ATV insurance mandatory?
Since ATVs aren’t supposed to be driven on open, public roads, ATV insurance isn’t mandatory. But even though you drive your ATV on private land, accidents can still happen to those around you. And as you know, liability claims can be quite expensive. For this reason, you need ATV insurance, whether mandatory or not.
What does ATV insurance cover?
Your ATV insurance contains coverages similar to your auto insurance. Here are some areas covered by ATV insurance:
- Liability claims: ATV insurance covers liabilities for injuries and damages you cause to third parties. Better yet, it also covers you when sued.
- Physical damage protection: Comprehensive and collision coverages pay for the loss or damage sustained by your RV. These coverages protect your ATV from perils like fire, accidents, theft, falling objects, and certain natural disasters.
- Medical Payments: The same way property can be destroyed in an ATV accident, you can also suffer injuries that need medical attention. As such, ATV insurance can supplement your health insurance to cover your medical bills.
Is ATV insurance expensive?
Since your ATV isn’t a daily drive, ATV insurance is significantly cheaper than insurance for your vehicle. Still doubting? Talk to The Insurance Outfit, and you will be surprised how affordable this coverage is.
Where can I get ATV insurance in Chester, NJ?
Looking for ATV insurance in Chester, NJ? Please get in touch with The Insurance Outfit. Our team will take you through the different ATV insurance options and help you choose the right coverage for you.