If you are thinking of getting an ATV (all-terrain vehicle) or already have one, getting ATV insurance is a must!
Read on for 3 frequently asked questions on ATV insurance!
What Does ATV Insurance Cover?
ATV insurance is used to protect you in the case of loss, damage, accident, injury, or theft of your ATV. Some coverage options can include:
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/ underinsured Motorist Coverage
Can ATV Insurance Cover Passengers?
Most types of ATV coverage will cover your vehicle and any passengers on board, as long as the operator is of age and/or possesses a valid driver’s license.
Texas ATV requirements state that all operators of ATVs under the age of 14 must be directly supervised by a parent/ guardian or someone over 18 years of age. Texas does not require ATV insurance, though it is a good rule of thumb to have in any case of accidents.
How Much ATV Insurance Do I Need?
Depending on how you use your ATV and how many people drive it, you should consider exploring coverage options.
These coverage options can financially protect you and your passengers in the case of injury and in the case of your ATV being stolen or damaged.
Be sure to speak with your insurance agent to create an ATV insurance policy that works the best for you.
Payne Insurance Group
Payne Insurance Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all your automotive needs.