What are medical payments on an ATV policy?

Medical payments can help cover medical costs for you and your passengers.

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Do I need underinsured motorist coverage?

Underinsured motorist coverage helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

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Do I need uninsured motorist coverage?

Uninsured motorist coverage helps protect you and your ATV from uninsured drivers and hit-and-run accidents.

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Is my ATV covered if it’s stolen or vandalized?

Comprehensive coverage is also known as “other than collision,” this coverage. It can help pay for damage to your ATV from vandalism, theft, weather events,...

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How is my ATV covered during a collision?

Collision coverage pays for damage to your ATV if you hit another vehicle or object, another vehicle hits you, or your golf cart rolls over.

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If I cause an accident and someone’s property is damaged, how is it covered?

Property damage liability coverage helps pay for damages to another person’s vehicle or property if you cause an accident.

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If I cause an accident and someone is injured, how are they covered?

Bodily injury coverage can help pay their medical bills and loss of income. Bodily injury liability automatically includes coverage for guest passengers.

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How are my guest passengers covered?

A common coverage option on motorcycle policies, guest passenger liability insurance works the same way for ATVs. If a passenger is injured in an accident,...

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Does my homeowner’s policy cover my ATV?

Many homeowners’ policies exclude ATVs, dirt bikes, snowmobiles, and the like, so you could be out of pocket if your vehicle is stolen or damaged....

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Do I need insurance for my street-legal golf cart in North Carolina?

Yes, it is mandated by the state of North Carolina.

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