Buy Insurance for ATV UTV or Side-by-Side
Whether or not you need insurance for your off-road vehicle depends on where you live, how you purchase your vehicle and where you want to ride. Not all states require insurance for your ATV, UTV or side-by-side (SxS), however, many national parks and RV trails require coverage to ride on their land—even if the state doesn’t. Additionally, if you plan on financing your off-road vehicle, many lenders require comprehensive collision coverage in addition to state-mandated minimum liability coverage. Buy Insurance for ATV UTV or Side-by-Side
Even if insurance isn’t mandatory, it’s always wise to have it, regardless of your riding skill level. Much like car insurance, off-road vehicle insurance can limit your liability and reduce out-of-pocket expenses if something unexpected happens while riding.
What Kind of Insurance Do I Need for My Off-Road Vehicle?
When it comes to insuring your ATV, also known as a 4-wheeler, or SxS, there are several coverage options to consider. From property damage to medical payments, having the right insurance can provide peace of mind. Here’s a breakdown of the essential coverage types:
1. Bodily Injury Liability (BI)
Mandatory in some states, this coverage protects your assets if you injure someone in an accident and they sue you. It covers the other person’s medical expenses up to your policy limits.
2. Property Damage Liability (PD)
This coverage pays for damage you cause to another person’s property in an accident involving your ATV or SxS. Note that it doesn’t cover your own property. BUY 2015 Polaris Ranger Crew 900 EPS
3. Uninsured/Underinsured Motorist (UM/UIM)
Like auto insurance, this protects you if the other party in an accident can’t cover your medical expenses. It can also cover lost wages during recovery, especially useful in states not requiring Bodily Injury Liability.
4. Comprehensive and Collision
Comprehensive coverage protects against non-collision incidents like severe weather, vandalism or fire. Collision coverage helps if you’re in an accident with another vehicle. These are often sold together to restore your off-road vehicle to its pre-incident condition.
5. Medical Payments
This coverage helps pay for medical bills for you and your passengers, regardless of fault, in the event of an accident. Buy Insurance for ATV UTV or Side-by-Side
6. GAP Coverage
GAP coverage is crucial if your ATV or SxS is totaled in an accident or stolen. It covers the difference between your vehicle’s actual cash value and the amount you owe on it. Polaris offers a GAP coverage plan for added peace of mind.