What does ATV/off-road insurance cover?
A standard all-terrain vehicle (ATV) insurance policy — or off-road vehicle insurance policy — typically comes with liability, comprehensive and collision coverage. Depending on where you live, liability coverage may be required. Regardless, carrying ATV insurance is always a good idea. On your next adventure, you'll know that you have a safety net, just in case.
Here are the coverages you may find on an Allstate® ATV insurance policy:
- Bodily injury liability
If you're at-fault in an accident and the other person is injured, this helps pay for their medical bills.
- Property damage liability
Covers costs related to repairs if you damage someone else's property.
- Collision coverage
Helps repair or replace your vehicle if you collide with another vehicle or an object such as a tree or fence. It applies regardless of fault.
- Comprehensive coverage
Covers damage to your ATV resulting from non-collision accidents, such as theft, vandalism, hail damage or damage from fallen trees.
- Optional or added equipment coverage
Covers aftermarket parts you've added to your ATV, including lighting, windshields and fairings, racks and more.
Deductibles and limits
When purchasing ATV insurance, it's important to consider your coverage limits and deductibles. A coverage limit is the maximum amount Allstate will reimburse you for a covered loss. You can set your coverage limits when you buy an ATV policy.
A deductible is what you pay out of pocket before coverage kicks in. Higher deductibles typically mean lower premiums, but you'd pay more out of pocket when filing a claim.