Smallwood Insurance Agencies offers motorcycle insurance to customers throughout Maryland, but we also offer ATV (All-Terrain Vehicle) insurance. The two share some things in common, but there are some important differences between them that underscore the importance of getting the right insurance policy — and finding the right insurance agent. Smallwood Insurance Agencies has the information you need to make an informed decision.
Why You Should Have ATV Insurance
Like nearly every other state, you must register and title your ATV, and must have a valid license to operate one. However, unlike owning a car or motorcycle, you’re not required to have insurance for your ATV in Maryland. However, we still suggest carrying a policy.
ATV insurance policies can protect quite a bit. They can cover your ATV in the event of theft or damage, and can be an effective hedge against the damage you may cause against others’ property, health, and lives.
Maryland lists several vehicle types under the broader ORV (Off-Road Vehicle) category. These include:
- ATVs: Three- and four-wheeled all-terrain vehicles
- UTVs: Side-by-side utility vehicles, including but not limited to the types manufactured by John Deere, Can Am, Yamaha, and the like
- Snowmobiles: These include trail, sport, utility, and performance snowmobiles
ATV Insurance in Maryland
The state of Maryland doesn’t require insurance, but does still require a license, title, and registration for ATVs, UTVs, and snowmobiles. Consider this a public service announcement of sorts: if you’re riding without a license, or don’t have the requisite paperwork and decals, you could face loss of your vehicle, fines, suspensions, and other penalties imposed by the court.
Because there’s no mandated need for ATV insurance, ATV, UTV, and snowmobile owners have a degree of flexibility in the amount of coverage they elect. This is where a MD licensed insurance agent proves their worth; we can help you tailor a policy package that best fits your riding habits and your top-of-mind concerns.
Many riders opt for Comprehensive and Collision Coverage at a bare minimum. However, it’s worth considering some of the types of insurance available to ATV riders, since there’s considerable overlap not only in types of coverage, but also the concerns faced when you’re on your vehicle. We suggest discussing a policy that encompasses vehicle liability insurance, uninsured motorist coverage, and personal injury protection to ensure that all your bases are covered. It’s also worth bearing in mind that bundling your ATV insurance with your auto insurance or a homeowner’s policy can be a way to save money.
ATV Insurance from Smallwood Insurance Agencies
Insurance exists for a reason: it’s less expensive — and, in the end, much less intrusive — than the endless rounds of bills, legal troubles, and everything else that attends to a mishap when you’re uninsured.
Having an agent from Smallwood Insurance Agencies on your side helps. Not only will we help you navigate the types of insurance available — whether you’re insuring a boat, your home, your health, your employees, or your life — but we’ll also be by your side when you need us most. Contact us today for insurance quotes on the policy, or policies, that meet your needs.