Safechoice Insurance Agency in Rochester, MN is a full-service insurance agency.  The various states have their own licensing and registration requirements to operate an ATV.  Minnesota (MN) law requires those that operate ATV’s on or crossing the public highway must have Minnesota automobile operating license, and all ATV’s are required to b registered with the Minnesota Department of Natural Resources.  Before one is permitted to operate an ATV, Minnesota has supplemental requirements such as safety course, specific age restrictions, and the necessity to use particular ATV safety gear. 

Homeowners and Recreational Insurance

While a homeowners policy may cover a liability claim for an ATV accident, but only if the accident or damage to the ATV occurred on the homeowner’s property.  Recreational insurance may cover ATV’s. However, this insurance is not written explicitly for all-terrain vehicles, and recreational coverage may not be as comprehensive.

ATV insurance typically covers:

1.    Liability – will cover any bodily injury while driving the ATV and property damage up to an amount stated in the policy. 
Without ATV coverage the medical bills of a bodily injury could cause thousands of dollars.  Legal fees are included if the ATV driver caused the accident.

2.   Collision –  repairs covered to you damaged ATV as a result of an accident.

3.   Comprehensive –  this is optional coverage which will pay for an ATV that is stolen or damaged by vandalism, severe weather or fire.  There is a situation that comprehensive coverage is required if you are seeking an ATV loans through a Bank or financial institutions. 

4.    Uninsured/underinsured motorist – optional coverage, which covers the cost if the other rider that caused the accident and is uninsured.

Safechoice Insurance Agency in Rochester, MN looks forward to interviewing you concerning all your insurance needs. Please call us!