What Happens if I Let a Friend Borrow My ATV?

Understanding the Risks

Much like auto insurance, ATV insurance follows the vehicle. Damages may be covered, up to the policy’s limits, if the driver had the owner’s permission and was not excluded from the policy.

What Does ATV Insurance Cover?

Standard Coverages

Liability coverage (Third Party Bodily Injury and Property Damage) and towing expenses are typically included in ATV policies.

Also, policies usually cover recreational use but not racing. Local municipalities may prohibit road use since the vehicle is designed for off-road use. Some localities may offer ATV registration to allow riders to cross a road at designated crosswalks safely.

Additional Coverages

Damage to the ATV, passenger liability, medical payments, uninsured motorist, and trailer physical damage may be covered, so it’s a good idea to speak with the insurance company. You may also be able to purchase coverage for ATV upgrades and other enhancements, such as custom parts, windshields, and racks.

Is ATV Insurance Worth It?

Evaluating the Benefits

Having a policy may provide financial protection from any injury or property damage resulting from a covered accident.

Cost vs. Coverage

The type of vehicle, insurance coverage, your financial limits, and the deductible you select all factor into the cost of ATV coverage.

What Should I Do Before Lending My ATV?

Check your insurance policy to see if it excludes others from riding your ATV. Be sure any rider has completed an ATV safety course. Don’t allow more than one rider at a time, and ensure they have proper clothing (long sleeve shirt and pants) and safety gear, such as helmets, gloves, and eye goggles. Also, rules should be set with other drivers, such as staying on approved trails and not trick riding.

Protecting Your Investment

Having the right ATV insurance coverage can provide the protection you’ll need in the event of an accident. Reviewing your policy whenever you make changes to your vehicle will ensure your coverage is current. Remember to protect your ATV from theft by storing it in a secure location, like a garage or shed, adding a chain and locking system, and removing the key.