What Does ATV Insurance Cover? - Nationwide

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ATV insurance coverage can help protect you in the event of an accident or other type of damage. An ATV insurance policy typically consists of liability, collision and comprehensive coverage options, as well as add-on coverages such as uninsured/underinsured ATV coverage. Like other types of powersports insurance, the amount of coverage you have depends on the policy limits you select.

ATV & UTV insurance coverages

Bodily injury liability

If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income. Check your state laws to see if it’s required for your situation.

Property damage liability

Assists in payments for damages to another person’s vehicle or property, if you cause an accident.

Collision

Collision pays for damage to your ATV if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. It also includes up to $2,000 for safety apparel. Collision coverage may be required if you lease or finance your ATV.

Comprehensive

This coverage can help pay for damage to your ATV from vandalism, theft, weather events and accidents. It also protects custom ATV parts and equipment.

Uninsured motorist

Helps protect you and your ATV from uninsured drivers and may also protect you from covered hit-and-run accidents. Each state has its own uninsured motorist laws.

Underinsured motorist

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Also known as Personal Injury Protection (PIP), med pay can help cover medical costs related to an accident, regardless of who’s at fault.

OEM endorsement

This coverage helps ensure that your ATV is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we’ll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.

Whether you’re on a farm, construction site or trail, the right coverage is essential

Learn how ATV and UTV insurance works and explore coverage options available through Nationwide.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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