Rock Island Insurance specializes in ATV Insurance in Lake Ozark
Adventure Starts Here. Protect Every Ride
Your ATV or UTV is built for adventure — from traversing rugged trails, exploring lakeside forests, to conquering local hill climbs, there’s no limit to the fun you can have in Lake Ozark. But with adventure comes risk, and you need coverage that’s designed specifically for off-road vehicles.
Rock Island Insurance offers policies that protect you, your passengers, your ATV or UTV, and your gear, so you can focus on the ride, not the what-ifs. Whether it’s a weekend trail ride, hunting trip, or a day at the local dunes, our coverage ensures that your vehicle and investment are protected.
Our ATV policies include liability, collision, comprehensive, custom parts protection, and emergency assistance. We also provide transport trailer coverage to make it easy and safe to bring your off-road vehicle to the trails. Ride with confidence knowing you’re covered on every adventure Lake Ozark has to offer.
Lake Ozark ATV insurance coverages
Liability Coverage
Covers damage or injury you may cause while riding an ATV or off-road vehicle. This includes costs to repair property, pay medical bills, or cover legal defense fees. Liability coverage is essential because accidents can happen quickly on trails or work sites.
Collision & Comprehensive
Collision coverage pays for damage to your ATV from accidents, while comprehensive protects against theft, fire, vandalism, or natural events. Together, they help ensure that your vehicle can be repaired or replaced after incidents. Off-road vehicles can be costly to repair, making this coverage especially important.
Medical Payments
Medical payments coverage provides $500–$10,000 in coverage for injuries sustained by you and passengers, regardless of fault. It helps pay for emergency care, rehabilitation, or additional medical expenses after off-road accidents. This coverage is critical for riders without extensive health insurance.
Uninsured/Underinsured Motorist
If you’re injured by an uninsured or underinsured driver, this coverage helps pay for medical bills, lost wages, and other accident-related expenses. Since off-road vehicles are sometimes involved in collisions with other recreational or on-road vehicles, this protection is important.
Custom Parts & Accessories Coverage
Covers aftermarket or custom parts, such as lift kits, upgraded suspension, and protective gear. This ensures your investment in customization is protected in the event of theft or damage. Policies may also cover accessories used on the trail.
Transport Trailer Coverage
Protects trailers used to haul ATVs or UTVs from theft, damage, or collision while transporting. This is especially important for riders traveling to trailheads or competitions.
Emergency Assistance
Includes towing, roadside service, and assistance if your ATV or UTV leaves you stranded. Some plans may also provide coverage for fuel delivery, winching, or extraction in remote areas.
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Ready to protect your ATV or UTV?
Start with our Quotes page or call our office — we’ll walk you through the process and find the coverage that’s right for you.