An all-terrain vehicle is a source of fun and excitement, but only if you know how to ride and you’ve taken the proper safety precautions, including ATV insurance. These insurance policies vary in terms of their thresholds and coverage options, but there are some general features that most policies contain. If you damage your vehicle or suffer an injury, your ATV policy can help you recover and recoup the value of your vehicle.

Minnesota requires that ATV riders get liability insurance for off-road vehicles. This insurance covers claims against an ATV rider if they’re at fault in an accident. Coverage limits vary based on the nature of the insurance policy. Damage to property and other vehicles, as well as bodily injury, are typically covered in liability insurance. An insurance specialist at Safechoice Insurance Agency in Rochester, MN can help riders select the amount of coverage that fits their risk profile.                                       

Similar to automobiles, ATV insurance coverage can be supplemented by additional features and protections. This includes collision coverage for damage to your vehicle, along with medical payments coverage. These supplements and other options come with dollar thresholds and limits. To determine the amount of coverage you’ll need, your insurance agent will walk you through your risk profile and help you determine what you need to mitigate the risk of loss to a minimum.

To learn more about coverage options for ATVs in Rochester, MN, please contact Safechoice Insurance Agency. These exciting vehicles have the power to turn ordinary outings and camping trips into adventures, but only if you take the proper precautions and safety measures. ATV insurance can give you an extra layer of protection, helping enjoy your time off-roading to the fullest.