ATV Insurance in Vermont | Taylor-Moore Insurance Agency

ATV Insurance in Vermont

Let us cover you from the costs and liabilities associated with an accident, damage, or theft of an ATV.

off roading in Vermont with ATV

ATVs (All-terrain Vehicles) are a hardworking and affordable way to get around mountains, ranches, construction sites, and anywhere else that you want to go. Whether you are a hunter, farmer, camper, or an outdoor enthusiast, ATVs are a fun way to travel.

Have you thought about purchasing insurance for your new ride? Here are the answers to some commonly asked questions regarding ATV insurance.    


What Is ATV Insurance and How Does It Work?

ATV insurance is similar to auto insurance. It covers the costs and liabilities associated with an accident, damage, or theft. It helps ensure that you won’t need to pay a substantial amount of money out of pocket for repairs, medical bills, lawsuits, etc.

If you have purchased insurance and are in an ATV accident, or it is damaged or stolen, you’ll file a claim with your insurance company and provide documentation including photos. An adjuster will review your case and policy, then decide the amount that is covered.


What Is Covered by ATV Insurance?

Depending on your specific policy, deduction, and limits, your atv insurance will cover the following costs:

  • Liability

If you cause an accident, this covers the costs of bodily injury to yourself and others, property damage, and legal fees if someone files a lawsuit against you.

  • Collision

If you cause damage to your ATV in an accident, the replacement cost or cost of repairs will be covered according to the limits of your policy.

  • Comprehensive

This will cover your costs if your ATV is stolen or has been damaged due to vandalism, fire, or severe weather.

  • Uninsured/Underinsured Motorist

Your costs will be covered if another rider caused an accident with you and they don’t have enough insurance to cover your expenses.

Depending on your insurer, you may also be able to purchase Medical Payments Coverage and Accessory Coverage.

Consult with an insurance agent so you know exactly what is and isn’t covered under your policy.


How Much ATV Insurance Do I Need?

In Vermont, ATV insurance is not required by law. However, if you plan to get a loan for the purchase of an ATV, many lenders and banks will require you to have a policy with both comprehensive and collision coverage. Even if you aren’t required to have insurance, you should insure your ATV in order to protect your investment and the potential costs of injury or damage.

The amount of insurance you need depends on the following:

  • How many vehicles are you covering and how much will it cost to replace them
  • Whether your health insurance will cover enough of your costs should there be an accident

  • Where you driving your vehicle. Will you be staying on your property, driving on the road, on mountain trails, or over sand dunes?

  • Where you driving your vehicle. Will you be staying on your property, driving on the road, on mountain trails, or over sand dunes?

  • If you plan to drive in poor weather

  • Who will be driving and riding on your ATV.  Are all the drivers over 16 years old and have a valid driver’s license? Will you be lending your vehicle to friends?
  • Whether you own a trailer and store your ATVs in a garage.  Are your ATVs at risk for theft or vandalism?

By answering these questions and talking with an experienced insurance agent, it can be determine how much coverage you’ll need in order to be properly covered.


How Much Does It Cost to Get ATV Insurance?

There isn’t a way to guess what your particular insurance premium will be until you have a policy written for you. There are, however, a couple of things you can do to get the best rate possible.

  • Have good credit history
  • Only allow drivers with a valid driver’s license 
  • Raise your deductible 
  • Lower your coverage limits

When you talk to your insurance agent, they’ll guide you in getting an affordable policy that will adequately cover your needs.


Where Can I Buy ATV Insurance?

To request a free, customized Vermont insurance quote, contact Taylor-Moore Agency today.

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