ATVs: Do They Need To Be Insured?

Part 1 of a 3-part blog series on ATV liability, based on a presentation by Robert Murphy at the 2024 County of Carleton Law Association Civil Litigation conference on November 15, 2024

Usually, ATVs must have insurance.But the "if" and the "why" depends on where they're being used, and what they're being used for.

ATVs are used in both work and play, in a variety of different settings, including:

• Private property;
• Crown land;
• Municipal roads;
• Some Provincial highways; and
• Designated OFATV (Ontario Federation of All Terrain Vehicles) trails (which may be on private property, crown land, or highways).

Usually, ATVs must have insurance.But the "if" and the "why" depends on where they're being used, and what they're being used for.