Bodily Injury & Property Damage Liability: Pays for injuries to others or damage to their property if you cause an accident.
Collision: Covers repairs to your ATV if you hit another vehicle or object (like a tree or fence).
Comprehensive: Covers non-collision damage to your ATV, such as theft, fire, vandalism, or falling objects.
Uninsured/Underinsured Motorist: Protects you if you are hit by another rider who lacks sufficient insurance coverage.
Medical Payments: Helps pay for medical bills for you and your passengers, regardless of who was at fault.
Competitive Racing: Damage or injury occurring while participating in organized races or stunts.
Public Roads: Accidents that happen while riding on highways or main roads (unless explicitly permitted by local law and policy).
Unapproved Passengers: Claims resulting from carrying a passenger on an ATV designed for only one rider.
Commercial Use: Using your ATV for business purposes (e.g., farming, deliveries) without a commercial policy.
Intentional Acts: Damage you inflict on your own vehicle or cause on purpose.
Wear and Tear: Standard maintenance issues like tire wear, battery failure, or mechanical breakdowns.
