What is ATV Insurance?

Insurance coverage in Chester, NJ is for more than your car, truck, or SUV. You can insure your all-terrain vehicle or ATV. Like your other vehicles, your ATV needs to be insured to protect you from liability if you damage someone else’s property or injure another person while operating your ATV.

Understanding ATV Insurance

ATV insurance is like auto insurance because it provides protection against property damage and bodily injury liability. You need a separate policy for your ATV because your standard auto insurance policy does not cover it. Also, your homeowner’s insurance does not cover damage to your ATV or personal liability arising from its use.

A representative from The Insurance Outfit can help you understand your options and find the right coverage for your needs and budget.

Different ATV Insurance Coverage

There are many forms of ATV insurance coverage, and the one you need depends on how you use your ATV. If you only ride your ATV on your property, you may only require liability coverage. If you take your ATV off-road, you may need collision and comprehensive coverage to protect your ATV in case it is damaged or stolen.

Other coverage considerations include loss of use, engine and gearbox protection, zero depreciation, and third-party liability.

• Loss of Use – This coverage pays for the rental of a replacement ATV if yours is damaged in an accident and is being repaired.
• Engine and Gearbox Protection – This coverage pays for repairs to your ATV’s engine and gearbox if an accident damages it.
• Zero Depreciation – This coverage pays for the total cost of repairs to your ATV without deducting depreciation.
• Third-Party Liability – This coverage pays for damages you cause to another person’s property or injuries you cause while operating your ATV.

The Insurance Outfit offers ATV insurance from leading insurers. We can help you find the right coverage for your needs and budget in Chester, NJ. Contact us today for a free quote.