Riding an ATV lets you explore areas your car can’t access. These compact, yet powerful vehicles provide hours of off-road fun. Having ATV insurance ensures these adventures are safe for you and others. Arlene Lear Insurance of Bolivar and Humansville, MO, provides this coverage. Here, the agency explains some important components of this insurance product.

4 Key Features of ATV Insurance

Injury Coverage

Since ATVs are used on rugged terrain, riders are more susceptible to accidents. If you are injured in an incident, this insurance policy covers medical expenses associated with treatment. The claims can include emergency room visits, prescription medicine, and follow-up doctor visits. Every insurance carrier sets the terms of their policy, but ATV owners can determine how much coverage they need and what deductible level fits into their budget.

Repair & Replacement Costs

If the vehicle is damaged in a crash, ATV insurance will pay for the repairs. A typical policy covers all parts and accessories. If the vehicle is a total loss, your carrier might pay for a replacement, especially if you use it for essential jobs on a farm or construction site.

Liability Coverage

Unfortunately, ATV accidents sometimes involve other riders. Liability coverage pays for their medical expenses. Many policies even cover wage loss if the injured person is unable to work. Having ATV insurance protects you from paying these costs out of pocket.

Property Damage Protection

If your vehicle causes damage to someone else’s property, ATV insurance will pay the repair costs. Even if you were at fault, the policy is designed to cover the expense of restoring a damaged vehicle or structure. The policy also offers protection against legal claims filed by the property owner.

When you need ATV insurance for safer outdoor adventures, Arlene Lear Insurance will find a customized policy for an affordable rate. To request a free quote, call the agency at (417) 777-3000 in Bolivar or (417) 754-8377 in Humansville. Visit their website to learn about products such as motorcycle, RV, and boat insurance for your favorite vehicles and life insurance to protect your family.