Liability coverage is a fundamental component of ATV insurance. It provides financial protection if you are found responsible for causing bodily injury or property damage to others while operating your ATV. This coverage helps cover legal fees, medical expenses, and other related costs resulting from a liability claim against you.

Property damage coverage helps protect against the cost of repairing or replacing other people’s property that you damage in an accident. This coverage is particularly important if you are at fault in an accident and need to cover the costs of repairing someone else’s property, such as fences, signs, or other structures.

Collision coverage helps cover the cost of repairing or replacing your ATV if it is damaged in a collision with another ATV, vehicle, or object, regardless of fault. This coverage is especially important if you have a newer or valuable ATV that would be costly to repair or replace.

Comprehensive coverage protects your ATV against non-collision-related incidents such as theft, vandalism, fire, or natural disasters. This coverage helps cover the cost of repairing or replacing your ATV in case of covered incidents.

Uninsured/underinsured motorist coverage is recommended for ATV owners in Michigan. It provides protection in the event that you are involved in an accident with an ATV operator who doesn’t have insurance or has insufficient coverage. This coverage helps ensure that you are adequately protected financially when dealing with uninsured or underinsured ATV operators.

Medical payments coverage provides coverage for medical expenses incurred by you and your passengers if you are injured in an ATV accident. It can help cover the costs of medical treatment, ambulance fees, hospitalization, and other related expenses.