Liability — Bodily Injury
If you cause an accident while driving your ATV and someone else is injured as a result, you could be held legally responsible for their medical bills. Most people can't afford that, so most states require a minimum amount of bodily injury liability coverage to help pay medical expenses and legal fees resulting from the accident.

Liability — Property Damage*
What would you do if you accidentally drove your ATV into someone else's garage door? Or what if you swerved to avoid hitting a dog, but you knocked over a mailbox or hit a parked car instead? Scenarios like these are why most states require you to have at least a minimum amount of property damage coverage. This coverage will help you pay damages for any insured that becomes legally responsible because of an ATV accident. 

*If your ATV is licensed for road use, this coverage is required. If not, it is optional.

Collision
Poles. Fences. Trees. Collision coverage helps you fix your ATV if it gets damaged because you ran into something or something ran into you, whether it's your fault or not. Although collision coverage is not required by law, if your ATV is financed, your lender may require you to carry it.

Comprehensive
Deer, hail, floods, theft, falling objects and fire are all examples of things that can cause damage to your ATV that may not be included in collision coverage. Comprehensive coverage helps you pay to fix or replace your vehicle for most damage not covered by collision coverage. Of course, there are exclusions, so read your policy and talk to an independent agent about AmShield's coverage.

Just like collision coverage, comprehensive coverage is optional in all states unless it is required by your lender.

Uninsured Motorist – Bodily Injury* 
Every state requires drivers to have at least a minimum amount of liability insurance, but not every driver has it. If you have an insured ATV but you are injured by another driver who does not have insurance, that at-fault driver may not be able to help pay for your medical expenses. However, your uninsured motorist coverage will help you pay your medical bills in this situation.

Medical Payments
Hopefully you will never be involved in an injury accident involving your ATV, but if you are, you may be responsible for medical or funeral expenses, which can add up quickly. Although most states do not require you to carry medical payments coverage, it can help you pay for these expenses so they don't become a burden to you.

*In some states, this coverage is required; however, it is an optional coverage in Arizona.