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.


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