Does Health Insurance Cover ATV Accidents

Does Health Insurance Cover ATV Accidents and Injuries?

Due to the lack of support and protection from accidental damages, operators and passengers are often vulnerable to dangers while riding an ATV. Since, riding an ATV involves risks of serious injuries, considering an insurance policy may be a good idea. However, it is important to be well aware of the conditions of the policy as it may or may not cover all of the medical bills associated with an ATV accident. It is always advised to consider the safety aspects before riding an ATV for recreational or other purposes.

What’s an ATV?

All-terrain vehicles mostly known as ATV are motorized vehicles that are designed for off-road driving on low-pressure non-pneumatic tires. These are also known as light utility vehicle (LUV). People often imagine an off-road vehicle that is driven on four wheels with a single passenger seat to be an ATV. Four-wheelers, quad bikes, quads, etc. are also other common names that people call an ATV. Some of the ATVs are also designed for two passengers with a varied number of wheels, mostly two, three, or four.

What's an ATV

Health Insurance Coverage for ATVs

Unlike many other insurance coverage policies, health insurance coverage for ATVs may vary for different insurance companies. Some insurance companies clearly state the non-eligibility of insurance in their policy for “dangerous or hazardous activities”, while other companies consider the location and circumstances of the accident. Depending on some factors like – if the accident spot is located on the homeowner’s property or who got injured between the operator and passenger, the health insurance coverage may or may not include all the medical bills. Some policies allow recreational ATV use in their policy. In such cases, you will not be covered for ATV injuries. Rather it is advised to use ATV insurance policy to cover medical bills. 

ATV Insurance Coverage 

Most of the processes are similar to a motorcycle insurance policy except the vehicle information is entered for an ATV instead of a motorcycle. These are the categories that are considered in ATV insurance coverage –

Bodily Injury Liability 

This policy is responsible to cover the damages associated with any injury or death involving an ATV accident. If the policyholder faces any legal issue as a result of any litigation, this will cover those fees too. The financial limit for an ATV insurance coverage is generally an amount per person and a total amount per accident which won’t consider the number of people involved. 

Property Damage Liability 

This coverage pays for the damage that is caused by an ATV to others’ personal property, home, yard, etc. The claim limit per accident is almost as much or sometimes lower than the bodily injury liability claim limit per person.

Optional Categories

Medical Bills

This coverage will pay for surgeries, X-rays, Hospital bills, Ambulance fees, etc. for the injury caused by an ATV accident.


This pays for the damage of your ATV resulting from a collision with another vehicle. Determining the worth of your ATV before adding this to your insurance coverage is highly suggested. It will help you keep the premiums low and in some cases, it might be better to avoid this coverage. 


This coverage pays for damages caused by theft, vandalism, natural causes like- flood, earthquake, fires, and such. In case of theft, one could be covered up to the cash value of his/her ATV.

Coverage Determining Factors

Coverage Determining Factors 

The factors that the insurance company will consider and review to determine the amount of your premium are –

  • the model of your ATV
  • your age
  • the number of people who will be driving
  • storage location etc.
  • ATV operation involves risks and is susceptible to accidents. This is the reason why the insurance company will review and consider many details to measure the risk factor in insuring you for the ATVs.

A key point to remember

You can verify if your ATVs are covered by your health insurance coverage by looking at the list of Exclusions that are included in your policy. And do not hesitate to seek the assistance of an attorney if you are faced with confusion and lack of clarity regarding the language of the insurance policy.

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