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Can I let my brother borrow my ATV?

Is it ok for someone to borrow my ATV? It's registered and fully insured. My brother wants to use my extra one this weekend, but I am a little nervous since I have never loaned it out before.

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Coverage for an ATV is very similar to coverage for your car, so yes, your brother is allowed to borrow the ATV. Before he does, take a look at your policy and review your coverages and exclusions.
Since ATVs are not allowed on public roads, highways, or in organized racing, your insurance policy will not cover any accidents related to these activities.
What type of
liability coverage
is on your policy? Bodily injury and property damage will pay for liability regarding other drivers if your brother causes an accident.
Medical payments
is the only coverage that will pay for his injuries if he gets hurt while driving or riding the ATV. Let him know his health insurance policy will likely cover any other injuries.
You may be able to bundle your ATV coverage with your car insurance to save money. If that isn’t an option or if you want more coverage, hop on the
Jerry
app to compare personalized quotes from top insurers in minutes.
Hope you and your brother have a fun–and safe–ATV adventure!”
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