ATV & UTV Coverage Options
Liability Coverage
Idaho requires liability insurance for ATVs operated on public roads, shared trails, and state lands. Bodily injury and property damage liability protect you if you cause an accident. Even on private property, a single ATV accident can result in serious injuries and six-figure medical bills.
Collision & Comprehensive
Collision covers damage from rollovers, crashes with objects, and impacts with other vehicles on the trail. Comprehensive protects against theft, fire, vandalism, weather damage, and animal strikes — risks that are very real in rural North Idaho. Your ATV is covered whether you're riding or storing it.
Accessory & Custom Parts
Winches, light bars, plow attachments, GPS units, upgraded tires, and custom bumpers aren't covered under a standard policy. An accessories endorsement ensures your add-ons are insured at full replacement value — not the machine's base price. Essential for utility ATVs with work modifications.
Uninsured Rider Coverage
Not everyone on the trail carries insurance. Uninsured/underinsured motorist coverage pays for your medical bills and machine repairs when the at-fault rider doesn't have adequate coverage — a common scenario on public OHV trails throughout Bonner, Kootenai, and Shoshone counties.
