InvestingBytes.com

GEICO provides insurance for all types of vehicles, including All-Terrain Vehicles (ATV) and Utility Vehicles (UTV). This insurance company is best known for its insurance coverage for off-road vehicles and dedicated customer service. If you’re a new owner of an ATV or a UTV, do get insurance coverage before you get them on the road. Read on to know the primary details of GIECO ATV and GIECO UTV insurance plans.

Why is ATV/UTV insurance important?
These heavy-duty vehicles are prone to theft. Moreover, most of these vehicles are owned by the state, demanding the driver to have insurance.

Insurance requisites differ state-wise
The first point to consider is that different states have different rules for riding an ATV and UTV. Therefore, the insurance requirement can differ across states as every state demands a different set of liability insurance for operating an ATV/UTV on public roads and highways.

What does GEICO ATV/UTV insurance cover?
ATV/UTV insurance by GEICO provides coverage for collision, medical payments, uninsured motorist, property damage, and physical injury. However, note that GEICO does not cover ATVs/UTVs that are less than 150cc.

Read on to know what GEICO’s ATV/UTV insurance covers.

Collision coverage: This provision covers damage caused by your ATV when it hits or is hit by another vehicle or an object. GEICO demands a deductible amount of $500 to $1000.

Medical payments coverage: This is a customizable option that covers the ATV/UTV owner as well as the passengers.

Uninsured/Underinsured motorists coverage: GEICO ATV/UTV insurance coverage is helpful when you are involved in an accident with someone with no insurance or when they have insurance coverage less than yours. This will protect against certain substantial damages.

Property damage liability coverage: This coverage protects you against damages caused to property while operating your ATV or UTV. GEICO ATV insurance also provides legal defense in case the other party files a lawsuit.

Bodily injury liability coverage: In case you cause fatal injuries to someone while operating your ATV/UTV, this provision covers damages and also provides you with a legal defense.

Comprehensive physical damage coverage: GEICO UTV insurance coverage protects against theft, fire, or vandalism. However, this coverage comes with a limited deductible amount ranging from $500 to $1000. Another limitation is that the policy considers the damage that affects the structure or safe operation of the vehicle.