Breaking out your off road vehicle for the season can be as invigorating as it is fun. Whether you own an ATV, go cart, or even a dune buggy, not only should you make sure that you are adequately protected physically, but also when it comes to insurance. It may seem silly to insure an off road vehicle, but it is a lot more necessary than you may think. Even if your off road vehicle is simply a toy, insurance is important.
An off road vehicle insurance policy typically provides three basic coverage options:
When purchasing an off road vehicle policy, it is also important to keep in mind what kinds of activities you will be using the vehicle for. Do you compete or ride recreationally? These activities impact the type and cost of coverage. An off road vehicle can cost just as much, if not more, than a regular vehicle, so it’s important to make sure you have adequate coverage. You can spend thousands building your off roader. What happens if you take it to the trail and something unexpected happens? What if you get into a crash and your beloved vehicle gets damaged? Don’t you want the comfort of knowing that even if an accident does occur, you will be back on your ride in no time?