ATV Insurance in Pennsylvania

Also providing ATV insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is ATV insurance?

Owning a four-wheeler presents certain risks, namely accidents on the trail but there are other risks. ATV insurance won’t prevent an accident or other incident, but it may help riders in Pennsylvania manage the financial costs if something happens.

ATV insurance offers specialized coverages for various types of all-terrain vehicles. Policies might cover four-wheelers, all-terrain vehicles, and utility task vehicles, and similar equipment.

• Is ATV insurance required in Pennsylvania?

   

• Pennsylvania law generally requires that riders carry liability coverage. Coverage is normally required if riding on public or others’ property, and riders need to carry proof of coverage with them. An exception is made if riders stay only on their own property.

  In addition to liability coverage, it’s often recommended that riders carry comprehensive and collision coverages for their ATV. Some local trail maintenance groups could have their own coverage requirements, as well.

What coverages can riders get through four-wheeler insurance policies?

Four-wheeler policies can include a variety of coverages, including liability protections and others. Some of the options that  are normally available include:

• Personal Injury Protection (PIP): Usually for injuries to drivers and others who are riding the insured ATV.
• Bodily Injury Liability Coverage: Usually for injuries to others who aren’t on the insured ATV, whether they’re on another ATV or simply nearby.
• Comprehensive Coverage: Usually for non-collision damage to the four-wheeler, such as damage caused by a falling tree branch, animal, fire, or vandal.
• Collision Coverage: Usually for damage to the four-wheeler when the damage is sustained in an accident with another vehicle, whether another ATV or a road vehicle.
• Accessories Coverage: Usually for safety gear and accessories used with the four-wheeler, like a trailer, helmets, bags, and aftermarket changes.
• Property Damage Liability Coverage: Usually for damage to others’ ATVs or property that the four-wheeler causes during an accident.
• Underinsured and Uninsured Motorist Coverage (UM): Usually for collisions where another rider or road driver is responsible, but doesn’t have adequate insurance.

Can ATVs be covered by car insurance policies?

Car insurance is mainly for road vehicles,-and most policies won’t cover an off-road vehicle like an ATV or four-wheeler. The coverage needs are usually too different in order to cover both types of vehicles with one policy. Four-wheeler insurance is normally necessary for ATVs instead.

Can homeowners insurance cover an ATV?

In some cases, a homeowners insurance policy may offer limited coverage for an ATV. Coverage can be restricted based on the four-wheeler’s size, weight, CCs, or horsepower, and only certain protections may be provided if there is coverage through a homeowners policy.

An insurance agent who’s familiar with insuring ATVs can check whether a homeowners policy provides adequate protection in a specific situation.

Does an ATV policy include towing coverage?

Towing coverage is often available through an ATV policy, but isn’t always included as a standard feature. 

Additionally, policies can vary in what towing is covered. Some policies provide towing only from roadsides, while others cover towing from trails. The latter protection is often much preferred, as many ATV owners can tow their four-wheeler from the side of a road.

An insurance agent who specializes in four-wheelers and ATVs can help riders find the towing coverage they need.

Where can Pennsylvania riders get ATV insurance for their four-wheelers?

If you have a four-wheeler and need insurance, contact the independent insurance agents at Acri Insurance Agency. Our agents will work closely with you to determine coverage needs, and find you the best option that meets those needs. We’re able to recommend policies from most insurance companies in Pennsylvania, since we’re an independent insurance agency.