What is
ATV Insurance
At Danilovic Agency, we know that your ATV or Side-by-Side isn’t just a vehicle — it’s a source of adventure, freedom, and fun. Whether you’re tearing up dusty trails, cruising the backcountry, or working on your ranch, accidents and unexpected events can happen. That’s why having the right insurance coverage is essential to protect your investment, yourself, and your passengers.
What Does ATV & UTV Insurance Cover?
A comprehensive ATV or UTV policy provides protection for:
- Collision Coverage – Pays for damage if your vehicle is involved in a crash or rollover, regardless of who is at fault. Whether you hit a rock, tree, or another rider, your ATV or UTV is covered.
- Comprehensive Coverage – Protects against non-collision events such as theft, vandalism, fire, or storm damage. Even damage while your vehicle is parked at your campsite is included.
- Liability Coverage – Covers medical expenses or property damage if you cause an accident, protecting you legally and financially.
- Safety Riding Apparel Coverage – Helmets, gloves, boots, and other protective gear are essential. This coverage replaces damaged gear after a covered incident.
- Customization Coverage – Protects upgrades like wheels, lights, or other accessories if damaged or stolen.
Optional Coverage for Extra Peace of Mind
- Medical Expense Coverage – Pays for medical costs for you and your passengers after an accident, no matter who is at fault.
- Uninsured/Underinsured Motorist Coverage – Protects you if another off-roader with insufficient or no insurance causes an accident, ensuring you’re not left paying out-of-pocket.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.