What You Need to Know About ATV Insurance in New Jersey

There’s never been a better time to have an ATV in New Jersey. There are now two new state-run ATV parks down in Cape May and Mount Pleasant, and the state is actually already planning for two more parks in the near future. This is in addition to several other privately run parks in the state. Residents of Chester, NJ alone are close to a variety of recreation areas where you can safely ride. If you’re the owner of an ATV, chances are you want to do everything you can to maintain it in order to enjoy these areas for a long time. Part of being a responsible ATV owner not only includes basic maintenance and safe riding but also investing in a good ATV insurance policy. The experts at The Insurance Outfit are here to help. Here’s what you need to know about ATV insurance in the Garden State. 

Is ATV Insurance Required?… It’s Complicated

New Jersey does not technically require ATV insurance, but things get complicated when it comes to you deciding where you want to ride. If you’re going to be on a road at all, insurance is required. This is where it gets interesting because ATVs are also not technically allowed on public roads. This is because the current law is a bit dated, going back to when it was assumed that the vast majority of ATV owners (of which there were far fewer decades ago) limited themselves to only using their vehicle on private property. But now with state-run ATV parks in existence, those who take their vehicle to these trails are considered to be riding on public roads. ATVs must also now be registered with the DMV, and so, therefore, it can be said that all NJ ATV owners should have corresponding insurance. Proof of insurance and registration should be carried whenever the ATV is in use. 

Liability Coverage is Important

Just like with car insurance, ATV liability coverage can keep you from going bankrupt in the event of an accident. Even if you do only plan to use your ATV on private property, will that property always be your own? Will you be the only driver? Having good liability coverage in place can help keep you protected should you let someone else ride your ATV or if you ride it on a friend’s property and subsequently get in an accident. 

Contact us today to learn more about ATV insurance and how we at The Insurance Outfit can assist you. We serve the Chester, NJ area and beyond, and we are here to get you the coverage you and your ATV need.