New Hampshire, also known as the “Granite State,” is home to some of the most ideal conditions for ATV riders. Although New Hampshire laws currently do not require ATV owners to carry insurance, having insurance is always a good idea. There is always the risk that you could be involved in an accident with your ATV, and having insurance can help to mitigate your financial exposure to that risk. Reach out to Cross Insurance today for more information about your options for ATV insurance.

How Much Does ATV Insurance Cost?

The cost of ATV insurance can depend on a variety of factors. In addition to the type and amount of coverage(s) you select, the following examples are a few factors that can play into an ATV insurance quote.

• Your ATVs year, make and model.
• Where will you be riding your ATV?
• The age, driving record, and in some cases profession, of the insured.
• Will you be riding with others?

Common Coverages for ATVs

Most ATV insurance policies have several different coverage options available. Some of these common coverage options include, but are not limited to, the following.

Collision Coverage

 If your ATV is involved in a covered accident with a vehicle (such as another ATV), collision coverage can help with costs to repair or replace your ATV.

Comprehensive Coverage

Comprehensive coverage, like collision, can help cover expenses when damage occurs to your ATV. Whereas collision coverage applies when your ATV has been in an accident with a vehicle, comprehensive coverage applies when your ATV has been damaged by certain other covered losses – such as theft or vandalism, hitting an animal, fire, certain weather related events, etc.

Uninsured & Underinsured Motorist

As New Hampshire is a state that currently does not require insurance for ATVs, this can make an accident with an uninsured or underinsured rider more common. This type of coverage can help compensate you for your medical expenses and pain and suffering (subject to policy limits) in the event that you are injured as the result of a covered accident with someone who is uninsured or underinsured.   

Bodily Injury Liability

If there is an injury or death resulting from an accident due to the negligent use of your ATV, bodily injury liability coverage can help pay some of the medical expenses and pain and suffering for the person injured.

Property Damage for NH ATV Riders

If damage is inflicted to another individual’s ATV, vehicle, home, or other personal belongings due an accident involving the negligent use of your ATV, this coverage can help pay for that property damage.

Accessories Coverage

If you have upgraded and/or customized your ATV, accessories coverage may be a worthwhile investment for you as it can help to pay for repairing or replacing your accessories in the event of a covered loss.

Total Loss for ATVs

If you have the latest model ATV, you may want to consider total loss coverage. Total loss coverage can potentially help fully replace your ATV if it is totaled in a covered accident.

Request a Quote for Your ATV

With locations across the Northeast, including multiple offices ‘in New Hampshire, Cross Insurance can help you explore your options when it comes to insurance for your ATV. To find out more, contact Cross Insurance today for a personalized insurance quote.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.