Perhaps you’re worrying about the cost of ATV insurance and wondering, “where can I find quotes near me on ATV insurance so I can get an affordable ATV insurance rate?” Look no further than David Pope. David Pope has been supplying ATV riders with affordable, quality coverage for years.
Contact the off-road vehicle insurance specialists at David Pope today to get insurance coverage that best suits your lifestyle.
Using an ATV is not like driving a car. Many states do not require that you carry insurance on your ATV, especially if you are only driving it on your own property. This rule also applies if you have permission to drive it on someone else’s private property. To use Missouri as an example again, ATV owners are not required to carry insurance.
On the other hand, if you use an ATV on public lands such as a state or a public park, many states require that you at least carry liability coverage. You may also be required to carry coverage if you are renting or financing your ATV.
As the owner of an ATV or off-road vehicle, you know all about pleasant surprises — rough and challenging terrain, beautiful scenery, hidden trails, expansive open fields. Not every surprise you get on an ATV, however, is necessarily a pleasant one. As ATV drivers explore unknown parts of their property, beaches, state parks and other places, accidents can occur.
ATV insurance may help in dealing with these unpleasant surprises. Whether you should purchase off-road insurance, however, is a question that hinges upon many factors. How often you drive your ATV, how old you are, your history of driving your ATV and who else may drive it are just some of the factors that come into play.
When all the different elements are ultimately factored in, purchasing ATV insurance is often the right decision for you and your vehicle.
It depends on state laws, but in most cases, the answer is yes. State laws may also vary about the kind of registration needed.
For instance, in Missouri, you can’t own an ATV unless you have a certificate of ownership (the vehicle’s title) issued by the Missouri Department of Revenue. You need to apply for the certificate within 30 days of acquiring your ATV. When you sell your ATV, all the decals and certificates expire. The new owner must register the ATV in their name with the department and pay all the appropriate fees.
You must renew your registration every three years, and no one under the age of 16 can register an ATV. Individuals under the age of 16 can only drive on property owned by a parent or a legal guardian or drive with a parent or a legal guardian.
Most insurance companies offer coverage for ATVs under their motorcycle insurance policies. When you’re shopping for ATV insurance online, and you’re asked for vehicle information, instead of entering a motorcycle, enter an ATV.
Depending on the kind of insurance you purchase and how much, it will protect you and your finances in case of an accident, injury, loss, damage or theft of your ATV.
Health insurance may cover an ATV accident unless your health insurance coverage prohibits “hazardous activities,” which may include riding an ATV. You should check with your health insurance provider to see if this is the case. If it’s not excluded, and you are involved in an accident while driving your ATV, your health insurance may cover your medical bills if the other driver’s liability insurance does not cover them.
Yes. Most ATV insurance policies only provide coverage for recreational or commuting usages. Commuting is defined as traveling across your property to a barn or to work on another part of your property. Standard ATV insurance policies do not cover any damages or injuries that are connected to organized racing. You may need to work with a specialty insurance company to get these kinds of policies.
Since it is illegal in almost every case to drive a privately owned ATV on a public road or highway, standard insurance policies will not provide coverage to you if you are injured or involved in an accident while driving in these areas. Some local governments do allow ATV traffic on highways and roads, but these areas will be specifically marked, and most are located on reserves or in large state parks. Never assume that you are allowed to drive your ATV on any public road, trail or highway. ATVs can cross highways and roads but usually only at designated points.
Typically, ATVs cost less to insure than motorcycles. The biggest reason for this lower price is how often people use ATVs. Even ardent enthusiasts generally drive fewer miles and spend less time on their ATVs than a motorcycle driver spends on their bike. Overall this means that there are fewer ATV accidents than motorcycle accidents.
Ultimately what you pay for ATV coverage depends on several factors, some of which are similar to the factors involved in purchasing car insurance. The driver’s age and sex, the age of the vehicle, where they use the vehicle, how often they use it and how much coverage they require all affect the price.
So, for instance, a middle-aged male driver who only uses their ATV on the weekend around their own property and only purchases liability coverage will pay less than a male driver in their 20s who spends more time on their ATV and takes their vehicle to a state park and wants collision and comprehensive coverage.
Ultimately, the best idea is to speak to an insurance broker, like David Pope Insurance Services LLC, who can give you a much clearer idea of what you will pay and how much insurance you really need.
In most cases, yes. ATV insurance covers your vehicle and any riders as long as the operator of the vehicle is at least 16 years old and has a valid driver’s license. As with cars, your ATV insurance coverage covers your vehicle if a friend with a valid driver’s license takes it out for a ride.
If your 12-year-old son or daughter is driving an ATV that can carry passengers and they are involved in an accident, this could be a problem. If this is a possibility, it’s important to check your coverage with your insurance agent so you know what your policy covers and who it covers. While it’s generally not illegal for individuals of any age to drive an ATV, it may affect policy coverage.
In most cases, homeowners insurance policies do not cover an ATV if it’s damaged in a collision or an accident, even on the policyholder’s property. The property coverage of a homeowner’s insurance policy does not extend to vehicles. The homeowner’s policy might cover a small electric scooter but only if it’s used on the policyholder’s property. All other vehicles, including cars, boats and ATVs, require separate insurance policies.
Your homeowner’s liability insurance, however, might cover an accident involving an ATV if someone was injured or their property was damaged. For example, if a friend was riding a four-wheeler on your property and they were involved in an accident and sue you for damages, a homeowners liability insurance policy will typically cover the costs.
Remember homeowners policies often have limitations on how much they cover, and for your homeowner’s policy to cover an injured rider, they might have to be a certain age or related to you. This is another question for your insurance agent, who can tell you more about what your homeowners policy does and doesn’t cover concerning an ATV accident on your property.
You can typically finance an ATV for anywhere from one to six years. While you are financing the purchase of an ATV, you will probably be required to carry liability and collision insurance for the duration of your term.
If you are found to be at fault in ATV accident, liability coverage will protect you. There are two kinds of liability coverage — property damage liability and bodily injury liability.
Property damage provides coverage for damage caused on someone else’s property while you are using your ATV. It also offers you legal protection if someone files a lawsuit against you. Damage liability usually has a claim limit on it for each incident or damage occurrence. This limit usually is equal to or lower than the limit for a bodily injury claim limit.
Bodily injury coverage protects you if you hurt or kill another person while you are using your ATV and also provides you with legal defense if someone else involved in the accident files a lawsuit.
This is the kind of coverage that most states require if you’re going to drive your ATV in public places such as state parks. You might want to carry this kind of liability coverage even if you only drive on your private property. If someone uses your ATV without your permission or supervision and they are in an accident or injured, you might be held liable for the injuries they have suffered.
If your ATV runs into another vehicle or if it overturns while you are driving in a particularly nasty piece of terrain, this coverage will help repair your vehicle. The amount you will pay depends on what you choose as a deductible — the amount you pay before your insurance company pays the rest.
Owners of older ATVs may choose not to carry this coverage because it will help keep their overall premiums low. If you have a newer model ATV, then you will most definitely want to carry collision. So before you choose a collision policy, it is important to determine how much your ATV is worth.
If you are leasing or financing your ATV, you will often need to carry collision coverage.
Comprehensive is another optional form of coverage. It covers issues besides collisions and protects against vandalism, flooding, theft, fire, earthquake and other risks. It also has a deductible. ATV owners may or may not want to carry comprehensive depending on the age of their vehicle, how often they use it and how likely the covered incidents are to occur.
If you or someone who has permission to use your ATV are in an accident with another individual who either lacks insurance or lacks appropriate coverage, an uninsured/underinsured motorist policy covers your expenses. In most cases, if someone else causes an accident, their insurance will cover any costs associated with the incident. There are times, however, that the other driver still will not have purchased coverage. This issue may occur even when state law requires that ATV drivers have insurance. There are per individual and per accident limits to this form of coverage, as with bodily injury coverage.
Missouri has a surprising number of great options when it comes to ATV riding. There are carefully curated ATV trails and state parks, and you might even be able to find a secret spot or two to have your own ATV adventures.
Missouri also has rules and laws regarding ATV use that you may not be aware of. For example, it is illegal to ride ATVs through streams and rivers in Missouri if they are not on your own property. This is something that’s important to know but not obvious. When you have ATV insurance in Missouri, you’re covered against various liability issues that you might not necessarily know about related to your ATV use.
It’s also difficult to operate an ATV under the same safety conditions as a standard vehicle. Flips, collisions and crashes are much more likely, even for an experienced ATV rider, and when they happen, the damage to people or property can be costly.
If you’ve been putting off looking for a four-wheeler insurance agency in the Midwest because of concerns about cost, think about how much more expensive it can be not to carry ATV insurance. Area companies that offer standard auto insurance may not have experience with off-road vehicles, but at David Pope Insurance Services, LLC, we do.
If you’re looking for ATV insurance in Missouri, David Pope Insurance Services LLC can help you navigate the different complexities and types of insurance that are available for your ATV, dirt bike or any kind of all-terrain, off-road vehicle. Family owned and with over 20 years of experience in the region, David Pope Insurance Services can provide you with the most comprehensive insurance for your auto, health, home and life needs.
If you’re interested in finding out more about how we can help you with your off-road vehicle’s insurance needs or your insurance needs in other areas of your life, call us at 613-583-0800 or visit our contact page. Leave us details about how we can reach you as well as some information about how we can help you with your insurance needs, and a member of our team will get back to you as soon as possible. You can also request an ATV insurance quote here.
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