ATV Insurance Coverage for Wildlife Damage

Wildlife and ATVs in Utah

Utah's backcountry is home to deer, elk, moose, coyotes, and bears. Collisions with animals can cause significant damage.

What Coverage Applies?

Wildlife damage falls under comprehensive coverage, not collision. You pay your comprehensive deductible, and it generally does not raise your rates like an at-fault collision.

Common Scenarios

• Deer Strikes — Most common, especially at dawn/dusk
• Elk Collisions — Can cause catastrophic damage
• Rodent Damage — Chewed wiring and hoses when parked

Are You Covered?

Liability-only does NOT cover wildlife damage to your ATV. You need comprehensive coverage. Given Utah's abundant wildlife, it is a wise investment.

Reducing Risk

Ride at moderate speeds in wooded areas, use headlights during the day, stay alert at dawn and dusk, and watch for wildlife crossing signs.