Does my ATV insurance protect it from theft?

ATVs carry certain risks because of their use and design. Even though they are fun, ATVs don’t have the kinds of safety features other vehicles have. That makes it even more vital to have the proper protection when using your ATV.

Most people who look for ATV insurance in Chester, NJ, are primarily concerned with liability and personal injury. However, ATV insurance is similar to other kinds of insurance in that you can tailor your ATV insurance to what is essential to you. At The Insurance Outfit, we can help you find the insurance that works best for you.

Legal Requirements for ATVs in New Jersey

Anyone operating an ATV in New Jersey must be at least 14 years old and carry proof of current registration and liability insurance. That way, if you cause an accident that injures someone or damages their property, that victim will be protected. 

It is not part of the legal requirements that ATV operators carry other kinds of insurance. If you only have a basic policy, you may not have protection if your ATV is stolen. There may be some protection if your ATV is stolen from your home under your homeowner’s policy.

Think About Getting Comprehensive Insurance If You Are Concerned About Theft

Comprehensive coverage protects you in case of theft, and it also protects you if vandalism, weather events, or accidents cause damage. If you want even more protection, you can get collision coverage to cover your own damages in case you hit someone or something. Personal Injury Protection (PIP) to pay your medical costs in an accident, no matter who is at fault.

Cut out risks that you can while still doing what you love. If you have questions about ATV insurance in Chester, NJ, call The Insurance Outfit today.