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COMPREHENSIVE COVERAGE FOR YOUR OFF-ROAD VEHICLE
Enjoy the thrill of every turn, jump and twist by knowing you’re protected for your OHVs (off-highway vehicles) such as ATVs, utility vehicle (UTVs), dune buggies, golf carts, dirt bikes, trail bikes and much more.
WHAT DOES OFF-ROAD VEHICLE INSURANCE COVER?
Off-Road vehicle insurance may protect you and your vehicle if you’re involved in an accident. Your insurance carrier may offer coverage for your off-road vehicle as part of an insurance policy. Here’s a look at some of the coverages that may be available in an insurance policy that helps cover these vehicles:
Liability coverage
If you cause an accident that results in someone being hurt or that causes damage to another person’s property, this coverage may help you pay for the other person’s medical bills or the costs to repair damage to their property.
Collision coverage
If your off-road vehicle is damaged after you hit another vehicle or another object, such as a tree, this coverage may help cover the cost of repairing your vehicle.
Comprehensive coverage
Suppose your ATV is damaged by something other than a collision — fire or flood, for instance. This coverage may help pay to fix the damage.
Coverage for you
Medical payments coverage
Sometimes health insurance just doesn’t cover every medical bill. That’s where medical payments coverage enters the picture. It can provide excess medical payments coverage (after other medical coverage) for the insured off-road vehicle’s operator or passenger regardless of fault, subject to coverage limit and deductible.
Uninsured/underinsured motorist bodily injury
This coverage can provide protection for your injuries or death if you are involved in an ATV/UTV accident with a motorist who has no insurance or insufficient coverage and is considered at fault.
Coverage for others
Bodily injury liability
As you well know, riding an all-terrain vehicle or utility terrain vehicle can be dangerous—even for the safest and most experienced riders. Bodily injury liability coverage can help protect you if you’re at fault in an ATV/UTV accident that causes injury, sickness, or death to someone else.
Property damage liability
Many of us have been there. That is, taking out a neighbor’s fence or accidentally damaging something on their property. Our property damage liability coverage can provide protection if you’re at fault in an ATV/UTV accident that causes damage to someone else’s property.
