Liability Coverage
What it covers:
- Bodily injury to others
- Property damage to others
- Legal defense costs
Who needs it: Everyone (minimum coverage)
Typical limits: $100,000–$300,000
Typical cost: $100–$200/year
Example: You injure someone while riding. Liability pays their medical bills and lost wages.
Collision Coverage
What it covers:
- Damage from accidents, rollovers, or crashes
- Collisions with trees, rocks, or other objects
Who needs it: Anyone with a vehicle worth more than $5,000
Typical deductible: $250–$1,000
Typical cost: $150–$400/year
Example: You roll your UTV on a trail. Collision coverage pays to repair or replace it.
Comprehensive Coverage
What it covers:
- Theft or vandalism
- Fire, hail, wind, or flood damage
- Falling objects or animal collisions
Who needs it: Anyone with a vehicle worth more than $5,000
Typical deductible: $250–$1,000
Typical cost: $100–$300/year
Example: Your ATV is stolen from your property. Comprehensive pays to replace it.
Medical Payments Coverage
What it covers:
- Your medical bills
- Passengers’ medical bills (regardless of fault)
Who needs it: Everyone
Typical limits: $5,000–$25,000
Typical cost: $25–$75/year
Example: You crash and break your arm. This coverage helps with your ER and recovery costs.
Uninsured Motorist Coverage
What it covers:
- Injuries caused by uninsured riders
- Hit-and-run accidents
Who needs it: Trail or off-property riders
Typical limits: $50,000–$100,000
Typical cost: $50–$100/year
Example: You’re hit by an uninsured rider on a trail. This coverage pays your medical bills.
Accessories Coverage
What it covers:
- Custom parts and upgrades
- Winches, lifts, wheels, audio systems
- Aftermarket modifications
Who needs it: Anyone with $2,000+ in accessories
Typical limits: $5,000–$15,000
Typical cost: $50–$150/year
Example: Your UTV has $8,000 in upgrades. This coverage pays to replace them if stolen or damaged.
Trailer Coverage
What it covers:
- Damage to your trailer
- Theft of trailer
Who needs it: Riders who transport vehicles
Typical limits: $3,000–$10,000
Typical cost: $25–$75/year
Example: Your trailer is damaged in an accident. Trailer coverage pays for repairs.
