What is ATV Insurance?
There are many Massachusetts residents who use ATVs for recreational and/or practical purposes. Those who ride these non-road vehicles assume a certain level of risk when they get on the machines. ATV insurance policies don’t prevent accidents -- that’s what safe riding practices are for -- but they may help riders survive the financial consequences of covered incidents.
ATV insurance is a specialized form of personal insurance that’s uniquely designed to offer the protections that ATV owners need. Most policies come as package policies that offer a variety of coverages, and riders can usually adjust the coverages within a policy to suit their particular situation.
Who in Massachusetts Needs an ATV Policy?
Most ATV owners in Massachusetts should carry insurance for their off-road vehicles, for not having coverage leaves frequently leaves a rider dangerously and unnecessarily exposed to risk. Many riders would struggle to replace their ATV if it were totaled, and even those who have the financial resources to purchase a new one still could face an extremely expensive liability lawsuit if they’re involved in an accident. A well-designed ATV policy may protect against both these risks.