No matter what terrain you’re traveling, insurance is a must for any off road vehicles including ATVs and snowmobiles.
Many owners make the assumption that their car or homeowner’s insurance policy will cover their sport vehicles. Unfortunately, without specialized and adequate coverage specifically for your recreational vehicles, you might find yourself in a lot of trouble when you need help the most.
Valuable coverage to consider for off-road vehicles are:
- Collision Coverage: If your vehicle collides with another object or vehicle, this plan will cover you on damages caused.
- Property Damage Liability Coverage: If your vehicle causes damage to another individual’s property while operating your off-road vehicle, this plan will cover you. Be sure to inquire whether legal defense is included in this coverage, in the event the other party chooses to file a suit against you in the claim.
- Bodily Injury Liability Coverage: In the event you injure someone while using your vehicle, this plan will cover you. Be sure to inquire whether there is legal defense coverage in the event the other party decides to file a lawsuit against you in the claim.- Comprehensive Physical Damage Coverage: If you experience loss other than a collision, for example – fire, theft or vandalism, this plan will cover you.