If you’re an ATV owner, it’s probably safe to say that you have a taste for adventure and “off-the-beaten-path” is music to your ears! Considering the many different trails you can blaze, you’ll definitely need ATV insurance to prepare you for the what-ifs that often arise along the way. Our insurance experts are here to tell you about 4 of the most important reasons ATV insurance is a must-have!

You Need ATV Insurance in 3 Areas:

need ATV insurance
need ATV insurance
need ATV insurance

Now that we’ve highlighted the 3 major areas of coverage you cannot afford to do without, we can dive right into the 4 most important reasons why you need ATV insurance at all!

1. Repairs Are Out of Pocket

For all the terrain you can explore with your ATV, there are just as many ways you can wreck your ATV! Even minor repairs can really add up quickly when you are forced to pay for them out of pocket. That’s why it’s smart to purchase insurance that will help cover any unforeseen repair costs to your ATV.

2. Accidents Can Be Costly

Anyone who has been in an accident in any vehicle is well aware of how complicated the fallout can be. Whether you’re at fault or the other driver is liable, there will be costs that must be paid. Without ATV liability coverage, the at-fault driver is on the hook for resulting property damage or medical bills!

Why You Need ATV Insurance

ATVs are built for adventures off the beaten path – your insurance should reflect that. While it’s not required in Texas, ATV insurance allows you to go full throttle without shouldering the financial fallout of the “what-ifs.”

3. Your Trailer Isn't Covered

While the obvious areas, like liability, property, and medical coverage, are a must, there are some add-ons you may find are just as important. If you like to bring your ATV on camping trips or your favorite trail is further away, you’ll be using a trailer. Most providers offer an add-on to your ATV insurance that specifically protects your trailer!

4. Your Guests Aren't Protected

If you bring along friends for the fun, it’s probably just a matter of time before you let a guest or two take a turn at the wheel. However, if an underinsured friend takes the wheel and a nosedive into a ditch, you will likely be on the hook for the resulting damages to your ATV or medical expenses! In this case, comprehensive insurance would be your best friend.

You Need ATV Insurance - We Can Help.

As an ATV owner, you’re all about the next adventure – as insurance specialists, we are all about helping you stay safe along the way! With access to multiple providers, our insurance experts can help you shop the market and build a custom plan that covers your future adventures. Give us a call at (972) 771-2622 or visit our website for a quote!

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Venture Safely with Lifetime

The insurance pros at Lifetime can build you the perfect plan to cover all your future adventures!