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Does ATV Insurance Cover an Accident?

Updated: November 2016

If you're going off-roading on your ATV, insurance may not be the first thing on your mind. But if you're involved in an accident that results in property damage or injury to another person, ATV insurance may help prevent you from paying out of pocket for related costs.

ATV insurance — often called an off-road vehicle insurance policy — typically includes two main coverages to help protect you, your ATV and other people involved in an accident. Here's a look at how those coverages typically work:

damaged red ATV.

ATV Liability Coverage

While most ATV accidents may not get much public attention, they do happen, and they can result in serious injuries. In fact, there were an estimated 93,700 ATV-related injuries treated in hospital emergency rooms in 2014, according to the Consumer Product Safety Commission.

If you cause an accident that injures someone else or causes damage to another person's property, liability coverage may help you pay for the other person's medical bills or the cost of repairing damage to their property.

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ATV Collision Coverage

If your ATV is damaged when you hit another vehicle or an object, such as a fence, the collision coverage in an ATV insurance policy may help cover the cost of repairing your vehicle. Without this coverage, you may be left paying for costly repairs out of your own pocket, because auto or homeowners insurance typically won't help pay for repairs, the National Association of Insurance Commissioners says.

It's important to keep in mind that you'll typically have to pay your deductible before your ATV insurance will help cover repairs to your vehicle.

And, as with any insurance coverage, limits will apply. Be sure to review your policy or check with your agent to learn how much coverage your ATV insurance policy provides.

It's never pleasant to think about a potential ATV wreck when you're heading out for a day on the trails. But knowing what protections your ATV insurance provides may give you greater peace of mind so you can focus on your four-wheeling fun.


Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.
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