Purchasing an all-terrain vehicle (ATV) allows you to drive in places where a typical vehicle cannot go. Whether you purchase an ATV for pleasure or for working on your property, protecting yourself and the vehicle is an essential component of owning one. Although Texas doesn't require ATV owners to have insurance, purchasing a policy can protect you from losses after an accident. Below are answers to several common questions about this coverage.

What ATV Owners Should Know About Insurance 

What does it cover?

While the specific details of each policy vary, this is similar to auto coverage. For example, liability covers costs if you cause an injury or property damage with the ATV, such as if you ride on someone's land and damage their fence. Collision policies pay for damage to the ATV caused by an accident, while comprehensive coverage protects the vehicle against theft, vandalism, weather damage, and fire. Underinsured and uninsured motorist coverage pays for your expenses if you're in an accident with another rider who doesn't have insurance.

How much do I need?

This depends on many factors, including the value of the vehicle, how you plan to use it, and your driving habits. You may want high limits if you have a new ATV that you financed, as this ensures you can pay off the loan in an accident. Likewise, if you mostly use the ATV for chores, such as transporting firewood, you may need less coverage than someone who rides on rough terrain or races the vehicle.

Does it cover riders and drivers?

Generally, ATV insurance policies cover anyone on the vehicle, as long as the operator is of legal age and has a license to drive it. The coverage also isn't limited to a single driver, which means you can file a claim regardless of who was driving, as long as they were legally allowed to operate the vehicle. Coverage follows the vehicle, not the driver, so even if your ATV is covered, the insurance won't cover any accidents or injuries if you wreck a different machine.

Will homeowners insurance cover an ATV?

This coverage typically does not cover ATVs, as they are considered vehicles. The only exception is if someone is injured riding an ATV on your property. In this case, the home policy may cover their medical costs. However, there may be limitations on the coverage, so insuring the ATV separately is the best way to reduce risk.

If you have questions about any type of insurance coverage, contact Stidham Insurance Agency in Dumas, TX. These independent agents serve clients throughout the Texas Panhandle, providing car, home, and RV insurance, as well as business policies that cover agriculture, crops, and more. Call (806) 935-6888 to request a free estimate, and visit the website to learn more about their services.