What is off-road vehicle insurance?

Off-road vehicle insurance is designed to cover ATVs, golf carts, dirt bikes, utility vehicles, snowmobiles, go carts, dune buggies and other recreational or work-related vehicles. Many people assume that their homeowner or auto insurance will cover such vehicles, but they often provide little, if any, of this type of specific insurance. An off-road vehicle policy is the best way to ensure the protection of your vehicle, whether it is in current use or storage.

What types of off-road vehicle insurance are available?

As with other policies, you can select the coverages that suit your needs. Some standard options include the following:

• Collision coverage: Regardless of fault, this may cover the repair of damages resulting from a collision with another vehicle or a stationary object.
  
  
• Liability coverage: For the protection of third parties, this could cover the costs of property damage and bodily injuries. It could also cover any legal fees that incur following an accident.
  
  
• Comprehensive coverage: Also referred to as other than collision, this coverage can fill in the gaps to protect you against fire, theft, vandalism, flooding, lightening, damage caused by animals and more.
  
  
• Safety apparel coverage: Wearing clothing designed to protect your body from injury is recommended when riding off-road vehicles. This coverage can protect against damages to safety apparel, including helmets and goggles.
  
  
• Optional equipment coverage: You may have accessories, such as towable trailers or sleds, that are designed for use with your off-road vehicle. This coverage can protect against damages to these extras.
  
  
• Uninsured/underinsured motorist coverage: In the event of an accident with an uninsured or underinsured driver, this coverage could offer compensation where the other driver’s insurance is lacking.
  
  

Get started today!

Insuring your off-road vehicle will help you feel more secure hitting the road on your next adventure.  Additionally, our staff has been serving the Missouri, Kansas and Illinois markets for years and can tailor a policy that suits your specific needs. Call us today at 636.391.0700, email us at questions@oberle-risk.com, or click here to get started on a free quote.