Riding the trails with friends is a given right of passage for many residents around Rochester, MN. The last thing anyone expects is to be held liable in the event of an ATV accident, especially when friends or family members are involved. Unfortunately, waiting until an accident happens before purchasing ATV insurance can be an expensive lesson to learn.

When is Insurance Necessary?

Liability insurance becomes vital when other people will drive or ride your ATVs, whether on your property or public lands. Don’t assume your homeowner’s insurance policy covers accidents that happen on your property. This is one of the times you want to talk to the experts at Safechoice Insurance Agency for clarification since you will be held liable for accidents that occur on your property. 

If your ATV is financed, you will likely be required to carry liability and collision coverage until the loan is paid in full. This protects you and the financial institution should the ATV be damaged. It also provides coverage for any medical needs that are a direct result of an ATV accident.

What if I Only Plan to Ride on my Property?

Registration type is more impacted by where you plan to ride that is insurance. MN DNR has an extensive guide available. You will find information on legal age requirements and who must take an ATV safety course before operating an ATV. Making sure that anyone operating one of your ATVs is in compliance with state regulations is important.   

Safechoice Insurance Agency can help you determine which ATV insurance plan will cover you, your family, and your friends near Rochester, MN who will likely operate your ATV with permission. We are here to answer questions about how ATV insurance can provide peace of mind before you head out for a ride with friends.