Do I need insurance for my ATV, Gator, or Golf Cart?

ATV insurance is often an overlooked coverage because it’s not a law in Tennessee to have it. If you have a loan, the bank may require it. However, even if they don’t, it’s still wise to protect yourself and your investment.  Several people are surprised to realize that many homeowner’s policies exclude ATV accidents because they are eligible for their own policy.

Do I need it to drive on my own property?

Whether you are driving your ATV on your own property or taking it other places, accidents happen. Operators are injured often while driving and riding. Terrain is not always predictable, especially at varying speeds. It’s also very common for ATV’s to be crashed into other property.  No matter what the location, it’s always a possibility to be liable for injuries and property damage.

Full Coverage or Liability Only?

Just like with your automobile, you have the option for liability only or full coverage. For larger investments, full coverage is a great choice to make sure you can repair or replace the ATV if it’s damaged. If you can easily replace it on your own after an accident, then you may elect to choose liability only. Either way, liability limits to help protect against medical claims and injuries will apply. You can read a little more in depth from a previous post the difference between liability only and full coverage by clicking here.

What does it cost?