Pre Headers Home Page Products Solutions About Us Contact Us Get A Quote Business Quote Auto Quote Homeowners Quote Health Quote Life Quote Post Header

Insure Your Off-road Vehicles in Virginia


Your ATV probably represents fun and recreation to you. Insuring the vehicle may be the last thing on your mind. You’re wearing a helmet when you ride, usually on land you are familiar with, so why bother with insurance. All-terrain vehicles are fun to drive, and they can be handy for hunting and farming and any number of other activities or work situations. But, they are also motorized vehicles that can be somewhat unpredictable, which is how they earn the “allterrain” part of their name.


That’s why it’s always smart to insure your ride.


There are three basic steps when considering ATV or 4-wheeler insurance:

•       Classify the vehicle: How many wheels does it have? Is it for off-road or can you ride it on roads? Is your ATV made for passengers? Perhaps you plan to use it purely for recreation or rather as a work vehicle on your farm or ranch. You’ll likely answer these questions when buying the vehicle, but you’ll have to know the answers when purchasing insurance.

•       Know the state laws: Many states require ATV insurance if the vehicle will be used on public or private property the driver doesn’t own. Some states require insurance for vehicles operated on state-owned land.

•       Contact Counts Insurance Agency: Consult your independent insurance agent to determine the ATV insurance that is right for you, based on many factors including how you will use the vehicle and who will be driving it, among other things. 


As with other vehicles, there are four basic types of coverage you can add to your ATV or 4wheeler insurance, depending on how much risk you want to assume and how much protection you want from the insurance company. You will be responsible for the deductible, and your insurance will pay the rest, up to its limits.

•       Bodily injury and property damage liability covers injuries to people or property caused by your ATV (when you are at fault). This coverage is important to protect yourself in the event of a lawsuit since it protects your assets up to the policy limit.

•       Collision coverage will pay when significant damage occurs in a crash with another ATV or vehicle, rocks or logs on the trail, fences and other debris. Normal wear and tear associated with off-road riding, such as dents and non-structural damage, would not be covered. 

•       Comprehensive coverage protects you if your ATV is damaged by something other than a collision (fire, theft, vandalism, hail, animals or flying objects).

•       Uninsured/underinsured motorist protects you from ATV owners who don’t have enough insurance or any at all. Considering the varying state requirements, it’s smart to protect yourself from these situations. It will cover medical bills and lost wages.


What to Expect from ACME Insurance

•       One-stop shop for all your insurance needs

•       Free, no-obligation quotes

•       Choice of insurance companies you can trust

•       Efficient claims process 

•       Testimonials from satisfied customers


Insure Your ATV, then Enjoy the Ride

After you have taken proper precautions with ATV insurance, all that’s left is enjoying the ride. These practical vehicles provide fun for your family and helpful function for hunting, fishing and all sorts of work. But, you owe it to yourself to be prepared for unforeseen bumps in the trail.


Call Us in Richlands, Virginia Today

At Counts Insurance Agency, we take care of the details so you don’t have to. Simply contact us for a no obligation quote, and we can help you determine the best coverage for you in one easy conversation. Give us a call or stop in our office at 2206 Front Street in Richlands, Virginia today. Then, get off-road and ride. You can reach us at 276-963-0335 Monday-Friday 9:00am-5:00pm, email


Posted 2:28 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Site Footer