Just like with your car or motorcycle, you are required in the state of Ohio to carry liability insurance on your ATV. Carrying proper insurance coverage an also protect you if you ATV is damaged or stolen. We offer the following types of insurance on ATVs.
Comprehensive - Comprehensive covers your ATV if it is damaged by an event other than a collision, such as theft, fire, vandalism, or flooding. A deductible you choose will apply.
Collision - This pays for damage to your ATV if you were to hit another ATV, a stump, tree, large rock, fence post, parked car, or something else, after deductible. Collison insurance does not cover scrapes, scratches, dings, or other cosmetic damage due to the nature in which ATVs are typically used.
Bodily Injury & Property Damage Liability - This pays for damage to property or injuries to people caused by your ATV, as well as your assets, up to specified limits.
Uninsured/Underinsured Motorist - This pays for injuries and damages to you or your property (up to limits specified in the policy) resulting from an accident in which the person at fault does not have insurance, or enough insurance. It can also help to pay for lost wages and medical payments.