If these vehicles are not used on the road the coverage is often optional and at the owners’ discretion if they want to self-insure. A lender may require you to have protection on the physical damage portion and a golf course may not allow you on its grounds without liability coverage in your ATV Insurance (off-road vehicle insurance).
ATV Insurance: what’s covered?
All of the same coverages are available for these toys for autos and motorcycles. With many of these items carrying bigger prices these days, it is again important to check out the pricing for the physical damage and the always need protection for liability.
Collision insurance coverage will pay for damage to your ATV if you collide with something or someone and you are at fault.
Property damage liability insurance covers damage you do to someone else’s property with your vehicle.
Liability insurance. If you accidentally injure or kill someone while you are using your ATV or other such vehicles, you need bodily injury liability insurance,
Comprehensive physical damage insurance pays for things like damage or loss from fire, vandalism, weather damage, or theft
While you likely have liability coverage with your car insurance policy, that coverage does not extend to ATVs, says the National Association of Insurance Commissioners (NAIC), but your homeowners’ policy may partially cover liability.
Here are some of the off-road toys we can help you with:
- Golf Carts
- Dirt Bikes
- Dune Buggies
- Jet Skies
- Motor Sports vehicles
Keeping your rates low can be easy.
Make sure you follow the same criteria as for autos and motorcycles. Keep claims at a minimum. Avoid tickets and accidents. Try to avoid serious credit issues.
Arizona is perfect for ATV riding. The state has over 40 ATV and OHV areas, with a large support effort for riders to enjoy the warm dry climate.
ATV and OHV use Arizona to have strict laws about including required equipment such as headlights, brake lights, and spark arrestors, along with strict trail usage laws. Also, the Arizona law requires to have insurance if you plan to ride your ATV on any public roads.
A major part of staying safe on the trails is having insurance covering your ATV activities. Accidents are on the rise and if you’re involved in an accident on your ATV, being uninsured could prove disastrous. Having the right ATV insurance protects you from having to pay large sums out of pocket for repairs or medical bills
Arizona State Minimum Coverage
Arizona’s Auto Liability minimum limits for autos increase on July 1, 2020!
Arizona increases Auto Liability minimum limits from 15/30/10 to 25/50/15 effective July 1, 2020. It is the law for everyone in Arizona – no exceptions.
If you are renewing or reissuing after July 1st will automatically renew or reissue with those new limits.
Bodily Injury: $25,000 per person /$50,000 per accident
Property Damage: $15,000 per accident
Arizona does not require that you carry uninsured/underinsured motorist coverage but we strongly recommend it.
Additional coverage such as medical, comprehensive, collision, roadside, and custom parts coverage are optional and we can add to any ATV insurance policy.
Recommended ATV Insurance Coverage
Bodily Injury: $100,000 per person /$300,000 per accident
Property Damage: $50,000 per accident
Uninsured/Underinsured Motorist: $100,000 per person /$300,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Custom Parts/Equipment: $2000
Quick facts about ATV in Arizona State
- During 2008-2011, 42 deaths were reported associated with ATVs.
- During 1982-2007, there were 45 ATV-related deaths in children 16 and under, and 252 adult deaths.
- Keep in mind riders under 18 must wear a helmet at all times.
- All ATVs must be titled and registered in the state of Arizona.
When you’re hitting the trails in Arizona Mountains, please be safe on your ATV. It is important that you have all the required equipment, along with extra food, water, fire extinguisher, and first aid kit. Get protected before you ride!
If you’d like to learn more about off-road vehicle insurance / ATV insurance, please browse our ATV FAQ.