If you were in an accident, report it immediately to your Insurance Provider: Payments and Claims
Why should you insure your ATV or Side-by-Side?
UTVs are the ultimate thrill when you’re out on the trail, but those thrills can come with a hefty risk!
Having insurance for your UTV is a good measure to make sure your recreational investment isn’t lost after an accident.
Let's take a closer look at coverages.
Liability Coverage covers your UTV, or vehicle repair costs, medical expenses, and general property damage of the other party if you caused an accident.
Comprehensive Coverage covers the repair costs of your UTV if it was damaged by anything other than a collision or accident. This can include theft, vandalism, the environment, etc.
Collision Coverage covers the repair costs of your UTV after it is damaged in an accident.
Uninsured/Underinsured Motorist Coverage allows you to still be covered for medical or UTV expenses, if the other party was at fault and doesn’t have enough insurance to foot the bill.
Medical Payments aid in paying minor and immediate medical expenses, such as an ambulance ride to the hospital. It is not a replacement for a standard Health Insurance policy!
Towing Coverage is offered by some companies for UTVs and Side-by-Sides, however, your vehicle must be within 100 feet of a public road.
Are your Liability limits high enough?
UTVs and Side-by-Sides are high performance machines, capable of doing some serious damage if you collide with someone or another vehicle.
Haven Insurance recommends at least $50,000 in Liability Coverage per person, $100,000 in Liability Coverage per accident, and $50,000 for Property Damages.
What kind of deductibles should you pay?
A deductible is the amount paid to your Insurance Provider to access your coverage payouts.
Higher deductibles will lower your monthly payments, while lower deductibles will raise your monthly payments.
Are you eligible for discounts?
There are a few discounts for UTV insurance: