Michigan and many other states require proof of insurance to register an all-terrain vehicle for on-road use. However, even if your ATV isn't street-legal and will never touch the road, purchasing a policy is highly recommended to protect you and others in the event of an accident. The following guide offers a brief overview of ATV insurance so you can ensure you're properly covered.

Injury Coverage

If an accident involving your all-terrain vehicle occurs and another person is injured, the incident could result in medical bills and legal fees that need to be paid for. An insurance policy will cover these expenses up to the plan's per-person and per-incident limits. This ensures you are not held personally responsible for paying for them out of your own pocket. 

Property Damage Coverage

An ATV insurance policy that includes property damage coverage pays for expenses related to accidental harm to a person's home, vehicle, yard, or personal possessions up to the per-incident policy limit. Typically, this type of plan's cap will be lower than the limit for injury coverage.

Additional Coverage Options

Collision

Collision coverage is what pays for any necessary ATV repairs following a rollover accident or impact involving another vehicle or object. When you purchase a policy, you will have the option to choose a deductible. This is the amount you are responsible for paying before your plan kicks in to cover the remainder of the costs. This portion of the policy is limited by the value of the vehicle.

Comprehensive

Comprehensive insurance pays for damage that isn't related to an accident, such as theft, weather, and fire damage. Much like collision coverage, you choose the deductible for this portion of the policy, but only the amount up to the value of the vehicle will be reimbursed by the insurer.

Uninsured Motorist

If you are injured by another driver in an accident while on the road, their insurance policy will cover your medical expenses and vehicle repairs. Unfortunately, when driving off-road, you are more likely to be involved in an incident with an ATV owner that lacks proper insurance protection. In preparation for this possibility, purchase an uninsured motorist plan that pays for the expenses the other driver's policy would have covered. This policy is limited per person and per incident, much like injury coverage.

If you're ready to insure your all-terrain vehicle, turn to Alger General Agency in Marquette, MI. Let their all-female team of insurance experts help you land the ATV insurance coverage you deserve from the most recognized providers in the nation. They're dedicated to finding you the best policy at the most affordable prices. Visit the website or call (906)225-0229 to request a quote.