TIS Team Blog

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How does ATV insurance work?

ATV insurance works similarly to auto insurance. Because ATVs can be risky – for the riders, passengers and those around them – your ATV insurance is designed to help cover the costs associated with a mishap or incident, as well as theft. ATV insurance helps you recover financially so that the cost of repairs, injuries, and even lawsuits do not end up costing you more than you can manage out of pocket.

ATV Safety Institute’s Golden Rules:

  • Always wear a DOT-compliant helmet, goggles, long sleeves, long pants, over-the-ankle boots, and gloves.
  • Never ride on paved roads except to cross when done safely and permitted by law – another vehicle could hit you. ATVs are designed to be operated off-highway.
  • Never ride under the influence of alcohol or drugs.
  • Never carry a passenger on a single-rider ATV, and no more than one passenger on an ATV specifically designed for two people.
  • Ride an ATV that’s right for your age.
  • Supervise riders younger than 16; ATVs are not toys.
  • Ride only on designated trails and at a safe speed.