ATV/UTV & Dirt Bike Insurance

Standard Coverage

Bodily injury

If you hit someone and they are injured, bodily injury liability pays medical bills and lost income (up to your policy limits), as well as legal fees if a law suit is created.

Property Damage Liability

Property damage liability will pay for damages (up to your policy limits) to someone else’s vehicle and/or property.

Uninsured/Underinsured Bodily Injury

If you’re hit by a driver that does not have enough insurance or any insurance at all, uninsured/underinsured bodily injury coverage will cover you and your passengers (up to your policy limits).

Uninsured/Underinsured Motorist Property Damage

If you are in an accident with a driver that does not have enough insurance or any insurance at all, uninsured/underinsured motorist coverage will repair or replace your vehicle (up to your policy limits).

Comprehensive

Comprehensive coverage was created to cover events beyond your control such as fire, theft, vandalism, hitting an animal, glass breakage, or weather/acts of nature.

Collision

Collision will cover you in the event of a car accident. Collision coverage pays to repair or replace your damaged vehicle if you collide with another object, this includes; vehicles, curbs, and trees.

Medical Payments

If you’re in an accident medical payments coverage will cover your injuries and funeral expenses (up to your policy limits). This can also cover your family members or passengers, regardless of fault.

Accessories and Custom parts / Equipment

This will include coverage for losses such as camping/ hunting equipment, riding gear, and any upgrades you’ve made to your vehicle.

Special Coverage

Total loss coverage for new ATVs

If you own an ATV or UTV that is no more than one model year old on a new policy or two model years old on a renewal policy with full physical damage coverage, we have carriers that will pay you the full MSRP if your vehicle is totaled, however, a deductible does apply.

Disappearing Deductibles

A claim-free policy period with your carrier could result in a lower deductible.

OEM Parts

When it comes to repairs, our carriers promise that they will use original manufacturer parts in your vehicle.

Carried Contents

Protects camping equipment, hunting gear, and any personal property that could fall out of your vehicle.

Roadside Assistance

This coverage will provide towing if your vehicle is disabled, coverage varies.

Trip Interruption

Bundled with roadside assistance, trip interruption will help pay for food and/or lodging expenses if you’re stranded away from home.

Passenger Coverage

Could help cover injury expenses of a passenger in an accident.

ATV Insurance Discounts

Multi-Policy

Bundle your ATV policy with the same carrier as your motorcycle, home, renters, or auto insurance and receive a discount.

Safety Course

Complete an approved ATV, motorcycle or snowmobile safety course, you’ll receive a discount on your ATV policy.

Pay in Full

Pay your entire ATV policy in full, up front, and you will receive an additional discount.

Advanced Quote

Shop for your ATV quote at least one day prior to starting your policy and earn a discount.

Ride Safely

Earn a discount if you’ve had no accidents or motor vehicle violations in the last three years. This will vary depending on the insurance provider of your choice.

Select the right ATV

Some ATVs are considered riskier than others and will cost more to insure. ATVs that are larger, with bigger engines will cost more to insure so it is important to keep this in account when choosing the right ATV for you.

For more information about ATV/UTV Insurance, call our office at (702) 330-3337, or send us an email at info@nis.vegas