ATV Faqs
  1. It depends. ATV/UTV insurance requirements vary from state to state.  Ask an American Family agent about the specific requirements for your state.
  2. Easy! You can get a quote one of two ways. Either call 1-800-MYAMFAM(1-800-692-6326), or get in touch with your local American Family agent. No matter how you choose to get your quote, we’ll make it simple and convenient. 

  3. You – and your ride – are unique. That’s why we provide so many coverage options. Take a look at the protection possibilities:

    • Bodily Injury and Property Damage Liability, and Passenger Liability: covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.
    • Comprehensive and Collision Coverage: pays to repair or replace your ATV/UTV if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage up to your coverage limits.
    • Customization Coverage: provides at least $3,000 of customization coverage for your custom parts and equipment. Up to $30,000 of additional customization coverage can be purchased.
    • Medical Expense: covers the cost of necessary medical care you receive as the result of an accident and can be used regardless of fault. In some states, medical expense coverage only applies after other medical insurance is exhausted.
    • Uninsured/Underinsured Motorist: when the person at fault doesn't have insurance, or enough insurance, this coverage pays for your injuries and damages the at-fault party is legally liable for, such as medical treatment and lost wages.
    • Emergency Roadside Service: pays reasonable costs incurred due to a breakdown or disablement of your insured ATV/UTV.

    This is just a quick look at available coverages. An American Family Insurance agent can provide all the details you need to help you protect all your dreams. Get in touch.

  4. Great question! There are several factors that determine the amount of coverage that’s right for you, including the value of your vehicle, how much you ride, where you live and ride, customization, personal risk tolerance, state requirements, and more. It might seem like a lot to think about, but that’s why we’re here. We’ll help you find the coverage that makes sense for your lifestyle and budget.
  5. Yes, your bodily injury liability limit includes coverage for injuries to passengers.
  6. Your policy provides $200 in personal property coverage and an additional $1,000 coverage for safety riding apparel damaged as a result of a covered loss. Safety riding apparel means helmets and clothing designed, manufactured, marketed and sold specifically to minimize injury resulting from ATV/UTV accidents.
  7. Yes, American Family ATV/UTV Insurance provides coverage for injuries caused by accidents if medical expense coverage is purchased. Talk to an agent to learn more.
  8. You bet. Your agent can explain what sorts of coverages extend to others riding your ATV/UTV with your permission.
  9. Yes, if you have comprehensive coverage.
  10. Accidents happen – even to the most experienced ATV/UTV riders. Use these 7 steps if the unexpected happens to you:

    • If possible, move your ATV/UTV to a safe place, out of the way of other riders.
    • Check for injuries and call 911 if needed.
    • Be respectful and cooperative with others involved, but don’t admit any wrongdoing or fault.
    • Exchange info with other riders. This includes the year, make and model of ATV/UTV, the rider’s name, address, phone numbers and insurance information.
    • Use your smartphone to take pictures of the vehicles involved and the area of the accident.
    • If the police are called, make sure you get a copy of the report – it’ll come in handy when you make your claim.
    • File a claim as soon as possible. Call 1-800-MY AMFAM (1-800-692-6326) or make your claim online.