Many ATV owners are surprised to learn that ATV insurance works very similarly to auto insurance.

A policy is designed to protect both you and your vehicle while riding.

Liability Protection

Liability coverage protects you if you cause:

• Injury to another rider
• Damage to someone else’s ATV
• Property damage such as fences, buildings, or equipment

Without liability coverage, you may have to pay these costs out of pocket.

Physical Damage Coverage

Physical damage protection includes:

Collision Coverage
Pays for damage if your ATV hits something or flips.

Comprehensive Coverage
Covers events such as:

• Theft
• Fire
• Falling trees
• Vandalism
• Weather damage

Accessory Coverage

Many riders customize their ATVs with:

• Lift kits
• Winches
• LED lighting
• Custom wheels

ATV insurance can help cover these accessories.

Medical Payments

Medical payments coverage helps pay for injuries sustained while riding.

Even minor accidents can result in expensive emergency room visits.

Get Protected Before Your Next Ride

Before heading out for your next trail ride, make sure you have the right protection.

The team at Upstate’s Choice Insurance can help you find affordable ATV insurance coverage in minutes.