Insuring ATV Riders from Vermont

Vermont, also called the “Green Mountain State,” provides ATV riders with a wide array of terrain and opportunities to hit the trails. Before hitting the trails on your ATV, contact your local Cross Insurance office to explore your insurance options. In this article, you can find information regarding what coverages are typically included in ATV insurance, what factors may potentially impact the cost to insure your ATV, and other insurance considerations.

Request a Quote for Your ATV

We’re local, and with over 40 offices throughout the Northeast, we take a personal approach to your insurance needs. Our team is readily available by phone to answer questions you may have. Cross Insurance can help you explore multiple insurance options when it comes to your ATV. To find out more, contact Cross Insurance today for a custom insurance quote.

What Could ATV Insurance Cost?

ATV costs and rates depend on a variety of factors. In addition to the type and amount of coverage(s) you select, the following examples are a few factors that can play into what ATV insurance could cost you.

• The year, make and model of your ATV.
• Where and how often you intend to be riding your ATV?
• The age, driving record, and in some cases profession, of the insured.
• Will others be riding with you?

Coverages for Vermont ATV Riders

Just as with many other types of insurance, such as auto insurance, homeowners’, etc., there are some common coverage options that are available. Some of these common coverage options for ATV insurance include, but are not limited to, the following.

Bodily Injury Liability – If there is an injury or death resulting from an accident due to the negligent use of your ATV, bodily injury liability coverage can help pay some of the medical expenses and pain and suffering for the person injured.

Property Damage – If damage is inflicted to another individual’s ATV, vehicle, home, or other personal belongings due an accident involving the negligent use of your ATV, this coverage can help pay for that property damage.

Collision Coverage for VT Riders – Collision coverage can help with ATV repair or replacement expenses resulting from a covered accident involving another vehicle (such as an ATV).

Comprehensive Coverage – Comprehensive coverage helps cover expenses when a loss is experienced due a covered loss other than a collision, which can include theft, vandalism, hitting an animal, fire, or certain weather-related events.

Total Loss for ATVs – Total loss coverage can help if your new ATV is totaled in a covered accident and needs to be replaced.

Uninsured & Underinsured Motorist – This coverage can help compensate you for your medical expenses and pain and suffering, up to the coverage limits, when an uninsured or underinsured ATV rider negligently causes an accident with you.

Accessories Coverage – Accessories coverage can help pay for items such as riding gear, protective equipment, and other accessories that you have modified your ATV with if they are damaged in a covered accident.

___________________________________________________________________

This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.