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Summer is the most anticipated season of the year, when we get to take a break and spend time doing what we love most. That often means getting out in the open air on our favorite rides. Whether you’re excited for the longer days to drive your ATV or side-by-side around local trails, or you’re planning an off-road adventure in Moab, considering safety precautions and insurance coverage options will give you the peace of mind to enjoy a summer packed full of fun, worry-free adventure.
There are a few basic safety measures that are important to run through before hopping on your summer toy — especially if you’re bringing friends.
Now that you know how to maintain safety on the trail, it’s time to talk about insurance. Insurance for your ATV or UTV is required in most states and in many state parks and other public lands. If insurance isn’t required in your state, it’s still best practice to acquire a policy to protect your pocketbook and person. For information about licensing requirements and age restrictions for your state, call up or visit the website of your local DMV.
ATV/UTV insurance is a specialized policy designed for off-road vehicles that you need to acquire separately from home, auto or motorcycle insurance. Similar however to auto or motorcycle insurance, it may include liability protection, personal injury, bodily injury, collision, comprehensive, and uninsured/underinsured coverages. Like motorcycle insurance, ATV and UTV owners may also purchase specialized coverage options for accessories or added equipment, personal items and passenger liability insurance. Learn more about these coverage categories in our Beginner’s Guide to Motorcycle Insurance.
This content is for informational purposes only. Consult your actual insurance policy for details regarding terms, conditions, coverage, and exclusions.