The Importance of Texas ATV Insurance

Since you love riding your all-terrain vehicle, having the right ATV insurance is a must. You might have bought it for many different reasons, but one thing is for sure: you love the freedom, joy, and sense of adventure it brings you. It is something you enjoy, and you want to keep it that way for years to come. 

Now, having the best insurance fit for your ATV may not seem as important as having the best fit for something like your car or a boat, but it is truly a crucial part of protecting your off-roader. If you are wondering why you need the right Texas ATV insurance for your situation, the answer is pretty simple. You need the right protection so that you can spend more time enjoying your ATV and less time wondering if the coverage you have will sufficiently cover the situation, should something happen! In life, mishaps are almost a given – which means that being ready to deal with them is important. 

What the Right ATV Insurance Coverage Can Offer You


  • A key aspect of ATV insurance is the right liability coverage. This coverage takes care of bodily injury, an area where you always need excellent protection in. You need to be well-covered in case you or others get injured. It also covers property damage, which can be very costly if you have to pay for it all on your own. 

  • ATV insurance should give you adequate collision coverage for your off-roader. This covers you, should you end up in a collision, whether it is with another vehicle or not. You want to be able to get your ATV fixed or replaced in a timely fashion, and you also don’t want to have to wonder if you will be able to afford repairs. You want to be able to get your ATV back in great shape as soon as you can, and having the right insurance coverage for it can help you do that.

  • A good ATV insurance policy gives you uninsured and underinsured motorist coverage. If you find yourself in an accident with a  person who does not have any insurance coverage (or not enough coverage), this takes care of your expenses. You don’t want to have to pay it out of pocket just because the other individual involved wasn’t prepared for the situation. Something to keep in mind: it is more likely that you would find yourself in an accident with an uninsured motorist with your ATV than an uninsured driver with your car, so it is important to have sufficient coverage to protect yourself.

  • Having the right comprehensive coverage is not something to push onto the backburner.  Comprehensive coverage can offer you protection in areas ranging from fire to vandalism and theft, and it can also cover issues caused by flooding and damages wrecked by animals. The fact is, you cannot know what will happen in the future, but having good comprehensive coverage means that you don’t have to fear the unpredictable. 

  • Having the right Texas ATV insurance coverage can offer you peace of mind while you ride your all-terrain vehicle! You should be able to enjoy your ATV – not continually stress over mishaps that could occur on your off-roading adventures. After all, you bought your ATV so that you could enjoy it. You should get your money’s worth! 

What it comes down to is this: you need to have good insurance protection for your Texas all-terrain vehicle so that you can spend countless hours off-roading in the beautiful summer evenings ahead. Now is the time to take the right steps to safeguard yourself, and should a mishap occur down the road (or the “off-road”), you will be glad that you took the time to properly insure your ATV.

Properly Safeguarding Your Texas ATV 


Here at Patterson Insurance, we understand how much enjoyment you get out of your all-terrain vehicle, and we want you to be able to stress less and have more fun! You can call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can get started on finding the right coverage for your wonderful Texas ATV.