recreational

When are You Required to Have Insurance in Michigan for an ATV?

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About ATV Insurance

ATVs provide an exciting way for Detroit, MI, residents to explore interesting terrain in and around Detroit, MI, whenever you’re in the mood for an outdoor adventure. If you are considering buying an ATV, you’ll want to know the insurance required by the state. Premier Insurance Agency can help with getting a policy to keep you covered.

State Requirements for ATV Insurance

If you are operating an ATV strictly on off-road adventures, the state of Michigan does not require owners to have liability insurance. There are exceptions. These include:

  • If you choose to retrofit your ATV, so that it is street-legal, along with a license plate, the state requires that you have a standard no-fault auto insurance policy.
  • If the ATV is being financed, the lender will require insurance for collision and comprehensive coverage.
  • Some private clubs or properties will not allow access to an ATV without proof of insurance.
  • If you plan to ride in private parks, state parks, or private trails, liability coverage is usually required. 

Benefits of ATV Recreational Insurance

Ride with confidence when you have insurance. With a policy, you can avoid a financial hit in case of an unexpected event. A policy may cover the following:

  • Theft of your ATV.
  • Vandalism.
  • Collision protection, regardless of who is responsible for the collision.
  • Protects expensive custom parts.
  • Provides protection for you from an uninsured ATV off-road driver.
  • Covers medical expenses if someone riding your ATV is injured.
  • Provides third-party liability coverage for medical bills, legal fees, or damage to property if you injure another rider along the trail. This also applies to someone who may be a bystander and just watching. 

Contact Us

The agents at Premier Insurance Agency are ready to make sure the time you spend on your ATV is enjoyable. Whether you only enjoy off-road trails or your ATV is ready to roll along the streets of Detroit, MI, we’ll make sure you have the recreational insurance coverage your ATV needs whenever and wherever the road takes you. 

Recreational Insurance Coverage That Protects Against Catastrophic Events

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Do you use your recreational equipment regularly during certain times of the year? A catastrophic event could unexpectedly damage your equipment. Review the scenarios below, and ensure you have adequate recreational insurance coverage to protect your investments.

Exposed Parking and Storage

If you store your recreational equipment in a parking lot or storage area exposed to the elements, it may sustain damage from high winds, rain, or other weather conditions. Recreational insurance can provide coverage for damage to your equipment, mechanical issues, and lost parts, ensuring your equipment is protected even in challenging conditions.

Accidents

Accidents can occur during catastrophic weather events. For example, if visibility is severely reduced while operating recreational equipment, such as an ATV, you could crash or damage your equipment. Collision coverage is designed to protect your equipment from body damage and mechanical failures while it is actively being used.

Unintentional Damage

Unintentional damage to another person’s vehicle or property can happen, especially during a catastrophic event when risks are elevated. If you are held liable for the damage, liability insurance can cover the costs associated with repairs or replacements resulting from the incident.

For Advice From an Insurance Agency in Detroit

It’s essential to secure sufficient recreational insurance coverage before using your equipment. Start by preparing a list of the recreational items you own, including their model numbers and descriptions. This will help ensure all your equipment is adequately insured.

Contact one of our Premier Insurance Agency representatives for personalized guidance. Our agents will assist you in preparing your new insurance documents during your consultation, so you can enjoy peace of mind while using your recreational equipment.