Having your ORV is a lot of fun, but a big investment. Whether you are a recreational ATV rider, or use your side by side to transport gear to your favorite campsite; having it damaged, wrecked, or stolen can cause loss of time and money. Although laws vary from state to state as to whether or not ORV insurance is required, it’s still a good idea to purchase it for your own protection, as well as those riding.
What Does ORV Insurance Cover?
Most ORVs are not covered by standard automobile or homeowners insurance policies, especially when you aren’t on your own property. An off-road vehicle can include an ATV (All-Terrain vehicle), dirt bike, dune buggy, snow mobile and any other motorsport.
An off-road vehicle insurance policy can include the following:
- Collision coverage pays for covered damage to your vehicle when in a collision with another vehicle or other object.
- Property damage liability coverage insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
- Bodily injury liability coverage insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
- Comprehensive physical damage coverage pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism.
Whether you own an ATV, go cart, snow mobile or even a dune buggy, let us help make sure you’re covered before you hit the trail with off-road vehicle insurance. Contact us today at 800.333.3690 for a free consultation.