ATV Insurance, Dirt Bike Insurance, Golf Cart Insurance and More!

Living in Washington allows us the opportunity to be outside year round for some great recreational activities! If your activity involves an ATV, talk to one of H&K Insurance’s knowledgeable agents so you can enjoy your activity without worrying about your coverage.

Call a qualified H&K Insurance agent today to talk about:

• Sand Rail (dune buggy) Insurance
• Golf Cart Insurance
• Snowmobile or Snow Machine Insurance
• Dirt Bike or Motocross Insurance
• Quads or ATV insurance
• All of your other specialty vehicle insurance!

Many coverage options are available for the specialty vehicles listed above including, collision coverage, property damage liability coverage, comprehensive coverage, custom parts and equipment coverage and more!

Similar to motorcycle insurance coverage, ATV Insurance offers a variety of coverage options.

Comprehensive

Most of the time, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by theft, vandalism, fire, an animal or flooding, Comprehensive coverage will likely pay to cover your damages, less your deductible.

Collision

Collision pays for significant physical damage to your ATV if you roll your ATV, hit a tree or other object, including another ATVer! You just pay the deductible you selected, and your Collision coverage will pay for the rest. Because of the nature of the sport, collision coverage does not usually pay for scratches, scrapes or minor dings that are cosmetic in nature.

Bodily Injury & Property Damage Liability

Bodily Injury and Property Damage Liability coverage is ATV insurance that pays for injuries to people or damage to property caused by your ATV. Liability coverage will also protect your assets, up to the limits you choose.

Uninsured/Underinsured Motorist

An important coverage if the person at fault for an accident doesn’t have insurance — or doesn’t have enough insurance — Uninsured/Underinsured Motorist Bodily Injury will pay for your injuries and damages you suffer due to being struck by an uninsured motorist and they are liable for the accident. This coverage will pay for expenses such as medical treatment and any lost wages. Talk to your agent today about uninsured/underinsured motorist coverage for your ATV.

Frequently Asked Questions about ATV Insurance

How much is ATV Insurance?

The cost of ATV insurance depends on several factors including, but not limited to: the driver, the vehicle being insured, your claims history and your credit. It also greatly depends on what coverage you decide to purchase such as comprehensive, collision or custom parts and equipment.

Do I need insurance for an ATV?

Whether or not ATV insurance is required varies by state and usage. For instance, if you are operating the vehicle on public land, you may be required to carry liability coverage on the ATV. Or, if you are operating the vehicle on private land or a farm, it may not be required. One last thing would be if you financed your ATV. If it is financed it is likely the bank would require you to carry full coverage on the vehicle. Check with your local insurance agency to determine what laws exist in your area.

What types of vehicles is ATV insurance for?

ATVs go by many names such as: 4-wheelers (or quads), 3-wheelers, UTV (or utility vehicles), Side-by-Sides (or SxS) and Six-Wheelers.