The Basics

Bodily Injury Liability and Property Damage Liability: If you harm another person or their property while on your ATV/off-road vehicle, this policy kicks in to cover those expenses, and it offers protection in case you get sued.
Uninsured/Underinsured Motorist: When you’re in an accident with a driver who doesn’t have insurance coverage or adequate liability limits, you can rely on this solution to pay in the event of injury, damage or death.
Medical Payments: You want others to experience the thrill of your ATV/off-road vehicle. But if they get injured in the process, you’re protected with this coverage that pays their medical expenses. It does not apply to off-road dirt bikes or similar two-wheel vehicles.

Additional Protection

Collision: Don’t let an accident involving your ATV/off-road vehicle keep you from your fun. This policy covers the cost to repair or replace.
Comprehensive: Think of all the ways your ATV/off-road vehicle can be damaged by something other than a collision—like weather, fire, vandalism, animal and theft to name just a few. That’s what makes this coverage so important.
Safety Riding Apparel: Whatever you wear on your ATV/off-road vehicle to reduce injury in the event of an accident is also included in your collision and comprehensive insurance. This includes helmets, gloves, boots and clothing.
Total Loss of a New ATV/Off-Road Vehicle: Some things are just too good to give up. If your newly purchased ATV/off-road vehicle is deemed a total loss within the first 90 days, we’ll replace it with a new one of equal value or pay you the original purchase price.


Multi-Policy Discount
Bank Customer Discount
Group Discounts

Why United Insurance

Sometimes it’s confusing to figure out the types of insurance you need and how much is necessary. It’s why we work closely with you to help you understand the differences in coverage so you have a better understanding of just what you need.