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?
What does it cost?
ATV insurance is not one size fits all. Many factors go into determining the premium. The type of ATV you’re insuring & the amount of protection are the two biggest factors. It’s definitely very simple and free to get a quote, so there’s no reason not to check it out. You may be surprised how affordable it is to have peace of mind while operating your Golf Cart, Gator, or other ATV.