ATV & Off-Road Vehicle Coverages
Coverages
Collision
Covers the cost of repairing or replacing your ATV/off-road vehicle if you’re involved in an accident.
Comprehensive
Pays for damages to your ATV/off-road vehicle caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Bodily Injury Liability and Property Damage Liability
Payment for damages for which you are responsible, such as injury or property damage to others, and legal defense if you are sued.
Uninsured/Underinsured Motorist
This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.
Medical Payments
This coverage will pay medical expenses to any person that sustains an accidental injury while riding your ATV/off-road vehicle. This coverage does not apply to off-road dirt bikes or similar two-wheel vehicles.
Safety Riding Apparel
Included in your collision and comprehensive insurance is also coverage for helmets, gloves, boots and any clothing designed to minimize injury in the event of an accident.
Total Loss of a New ATV/Off-Road Vehicle
If you purchase a new ATV/off-road vehicle and it’s deemed a total loss within the first 90 days, we will replace it with a new one of equal value or pay you the original purchase price.
How do I get a quote?
Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.