Are you single, with no dependents, and NEVER allow anyone else to operate your ATV? You may be the only category of ATV owners who can take the risk of not insuring your ATV. All others, especially those who allow non-family members to operate their ATV's are at high risk for large liability settlements in the event that someone injures themselves while operating your ATV. The personal ATV insurance policies that we write throughout VA, MD, DC specifically address your specific ATV assets, how you use them, and how you allow others to use them. We highly suggest that you work with any of our licensed insurance agents to customize an individualized policy that does not over or under cover you for risk. Individual risk tolerance varies greatly and that is a key component of matching the right coverage for you.
ATV coverage should be held year-round. While summer is the overall biggest season for ATV riders, statistics prove out that ATV owners tend to use their vehicles throughout the calendar year. You can discuss with you agent how to handle those periods when you most certainly decommission your vehicle for a particular season and thus minimize your overall insurance expense. Read more about our custom ATV insurance policy from TriState and then give us a call. Or, to find out more about personal ATV insurance, contact TriState Business Insurance.