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Beacon

ATV Insurance

ATV insurance is specialized insurance that’s designed to protect against the risks that come with operating these vehicles.

While neither Virginia nor Maryland have state laws requiring owners to carry an ATV policy, it’s still generally wise to have one in place. Not having coverage can result in devastating financial consequences if there’s a major accident.

Bodily Injury Liability Protection: May cover injuries to people not on the ATV

Property Damage Liability Coverage: May cover damage to others’ property

Collision Coverage: May cover damage to the ATV that occurs in multi-vehicle accidents

Comprehensive Coverage: May cover damage to the ATV that occurs in non-accident incidents

Accessories Coverage: May cover protective gear, aftermarket parts and/or trailers

Uninsured or Underinsured Motorist Coverage: May cover accidents that underinsured drivers cause

Beacon Insurance Group is Here to Help

For decades, Beacon Insurance Group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.

Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance Group, we do the digging to find you the best possible coverage at the best possible price.

It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality ATV insurance.

Fill out the form to get in touch with a specialized ATV insurance agent and we will get you the superior customer service that you deserve!

 

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What is ATV Insurance?

Operating an ATV comes with certain inherent risks, including the risks of damage to the vehicle, damage to other property and injury. ATV insurance can help riders in Virginia and Maryland financially protect themselves from many of these risks.

ATV insurance is specialized insurance that’s designed to protect against the risks that come with operating these vehicles. In order to protect against multiple risks, most policies are underwritten as package policies that have several individuals coverages combined together.

Who in Virginia and Maryland Needs an ATV Policy?

While neither Virginia nor Maryland have state laws requiring owners to carry an ATV policy, it’s still generally wise to have one in place. Not having coverage can result in devastating financial consequences if there’s a major accident.

Additionally, other insurance policies usually don’t provide coverage for off-road vehicles such as ATVs. These vehicles typically aren’t covered under a homeowners insurance policy, and standard auto insurance generally doesn’t extend coverage. An ATV-specific insurance policy is normally needed to insure an ATV.

What Coverages Do ATV Policies Come With?

The makeup of coverages within an ATV policy can vary, but most policies make certain common coverages available:

  • Bodily Injury Liability Protection: May cover injuries to people not on the ATV
  • Property Damage Liability Coverage: May cover damage to others’ property
  • Collision Coverage: May cover damage to the ATV that occurs in multi-vehicle accidents
  • Comprehensive Coverage: May cover damage to the ATV that occurs in non-accident incidents
  • Accessories Coverage: May cover protective gear, aftermarket parts and/or trailers
  • Uninsured or Underinsured Motorist Coverage: May cover accidents that underinsured drivers cause

An insurance agent who specializes in ATV policies can help riders sort through all of the coverage options to choose the ones they need.

ATV Insurance Virginia & Maryland

How Can ATV Owners in Virginia and Maryland Get ATV Insurance?

For help insuring an ATV that’s used in Virginia or Maryland, contact the independent insurance agents at Beacon Insurance Group. We’ll work hard to help you find ATV insurance that offers robust protection.

What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?

This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.

Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only come with years of experience.

But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.

Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!

ATV Insurance Virginia & Maryland

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