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What kind of ATV insurance coverage do I need?
ATV coverage is a combination of liability, comprehensive, collision and medical payments. The state requires you to have a state minimum of liability that is $25,000, 65,000, 15,000. Anything lower than this the state of Utah deems your liability insurance too low to operate on Utah roads. Also I would recommend that you get higher coverages as these coverages are what cover you in the event of an at fault accident. The limits of liability you choose are basically a barrier between you and a potential lawsuit. So it is in your best interest to have higher limits.
Do you need to have insurance on an ATV?
This depends on if it is required by a law in your state or if you have a loan through a lending institution that requires you to carry comprehensive and collision coverage until your vehicle is paid off. Typically if it is driven on a standard roadway legally it can be insured. Check with the state to make sure about the different laws and regulations regarding insurance on an ATV. Also if your vehicle gets totaled or damaged do you have the funds to be able to replace the vehicle or repair it with money out of pocket. If that is not the case then I would recommend putting full coverage on your ATV so that you're protected from liability issues and to replace your vehicle if it gets stolen, damaged, or is deemed a total loss.
What are considered off-road vehicles?
It describes any sort of vehicle that can travel across mud, sand, snow and other unstable terrains. Typically you see side by side with the steering wheel which gets its name from having one seat right next to another or you can have something like a four wheeler that has a single seat among different types of off-road vehicles.
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