ATV Insurance: What Does it Cover?
Rink Partridge Agency, Inc.
Mar 09, 2022
When it comes to owning an ATV or other off-road vehicle, protecting yourself goes beyond wearing the proper safety gear and driving responsibly. Having your vehicle and yourself insured is not only required by New York State, but it is an important aspect of owning an All-Terrain Vehicle.
NYS Requirements
New York State requires anyone who owns and operates an ATV off their property to carry liability insurance. The minimum required coverage is $25,000/$50,000 for injury, and $10,000 for property damage in any one accident. You must show proof of insurance at the request of a judge, police, or anyone who claims they have been injured or property damaged from your operation of the ATV.
What Does it Cover?
You can not rely on your homeowners or auto insurance to protect your ATV. However, there are separate insurance policies available to help protect you and your ATV if you’re in an accident.
With the right insurance coverage, you can enjoy the freedom and peace of mind that comes with owning and operating an off-road vehicle. Finding coverage is easy when you work with us! We will shop around with different companies to find the best rate and coverage to meet your needs.