ATV’s are generally three wheeled/four wheeled/six wheeled vehicles which are strictly used off road. They should not be used on any public roads in the United States. Driving all terrain vehicles on the road is illegal. They are only allowed in public land, or parks. These areas are designated as off-highway vehicles (OHV’s). All terrain vehicles are mainly used for agricultural purposes or business use. The vehicles need to be registered and titled with the state ATV section.
Importance of ATV insurance
Let us understand the importance of having ATV insurance in case you own all terrain vehicles (ATV). There are various reasons why you should invest in ATV insurance even though you drive off road. The important reason is that the theft rate for these vehicles is higher. In case your vehicle is stolen, ATV insurance has comprehensive coverage which protects your vehicle against theft or even damage due to fire, storm or vandalism. So you can file a claim with the insurance company if you have ATV insurance to get compensated for this considerable loss.
Secondly when you are using all terrain vehicles in any state owned public land, road or park, insurance is necessary as these vehicles are considered as high risk by insurance companies.
Protect your ATV from accidents
There is safety aspect that needs to be taken into account while driving all terrain vehicles. There are potential dangers associated with these extraordinary vehicles. Being powerful vehicles, they can travel at speeds of 60 or 70 miles per hour through mud or any type of uneven trails or hills. There are chances that the vehicle might roll over if it is not handled properly and skillfully. The vehicle damage in such circumstances will be unimaginable and will result in severe injuries and maximum damage to the ATV and the financial loss will be enormous. Having the right amount of auto insurance on ATVS will help you protect your life and assets.
Every year many people die because of accidents while driving ATV’s. Considering the danger aspect associated with ATV’s, it is better to go for ATV insurance even though you are driving off road. You can install anti-theft and other safety devices in the
ATV to get discounts on your ATV insurance. Keeping them parked in a garage and driving less mileage are other ways of getting significant discounts on your ATV insurance. Shop around and get your best deal as insurance companies offer attractive rates and offers every year.
The best way to get complete information on ATV insurance or related laws is to check with your State’s department of motor vehicles or state insurance department. Just like any other vehicle, you cannot ignore the high risk posed by terrain vehicles. Considering the safety aspect of ATVs from the theft or vandalism point of view, it is ideal to have ATV insurance even though you keep the ATV off road most of the time.