Is Insurance Required For My ATV?

Arlington, TX and the surrounding area is a spectacular place to get outside and explore the many trails, parks, and waterways. One of the best ways to do that is on an All-Terrain Vehicle. Of course, if you’ve just purchased yourself an ATV, you may be wondering whether the state of Texas requires you to insure it. The simple answer is no. As of 2015, according to the Texas Department of Public Safety, ATV’s do not require insurance. In fact, All-Terrain Vehicles aren’t even required to be registered with the Department of Motor Vehicles. However, even if you’re not planning on riding your ATV anywhere outside of your own property, it is still a good idea to consider insuring your ATV.

Why ATV Insurance Is A Good Idea

Imagine you, or someone in your family is enjoying a ride around your acreage when, all of the sudden, the ATV takes a nosedive into a ditch. The frame is bent and you won’t be able to it out again as is. Without insurance, you will have to pay out of pocket in order to replace it. What if you’re riding your ATV just up the road from Arlington in Trophy Club Park at Lake Grapevine, and, again, you crash the ATV, only this time you’ve crashed with another rider? Not only have you damaged your own ATV, but, depending on the circumstance of the crash, you also may have liability for the damage sustained to the other ATV. If you are insured, then you would be prepared for that unforeseen expense.

It’s easy to get into an accident, but it’s even easier to plan ahead and cover yourself and your assets. Before you find yourself in a similar situation, go ahead and call or stop by Strack Insurance Services to inquire about insuring your All-Terrain Vehicle.