What Is ATV Insurance?
Many Massachusetts residents ride ATVs for recreational or practical purposes, and the use of these vehicles presents an inherent level of risk. ATV insurance won’t stop an accident from occurring, but it can help financially protect residents if they’re involved in an ATV accident.
ATV insurance is a specialized type of insurance that’s specifically intended to protect ATVs and their riders. Most ATV policies are underwritten as package policies, meaning that they have more than one coverage. The coverages work together to provide a network of protections.
Who in Massachusetts Should Purchase ATV Coverage?
ATV riders in Massachusetts generally aren’t required by law to have insurance, but ATV coverage can provide important protections. The vast majority of ATV owners in the state probably should carry a policy, as not having coverage can leave owners exposed to property, injury and liability risks anytime they ride.
Moreover, owners shouldn’t rely on other policies to provide ATV coverage. Standard car insurance policies normally don’t cover ATVs, and homeowners policies often only provide property protection against damage while an ATV is on an insured property. At best, a homeowners policy might offer minimal protection while riding — much more is usually needed.
An ATV policy is the type of insurance policy that’s intended to protect against ATV-related risks and makes the right amount of protection available.