“A little dirt never hurts.” “When the roads ends the fun begins.” For this you need off-road insurance.
Only an off-roader can understand the passion and the drive that we regular drivers can never grasp. Off-roading is an obsession. So before the passion and obsession take over and you forget the basics, get your off-road insurance because where the road ends, more problems for the ATV begin.
Off-road vehicle insurance is designed to cover ATVs, golf carts, dirt bikes, dune buggies, utility vehicles, snowmobiles, go-carts, and other work-related or recreational vehicles . Many people assume that their homeowner or auto insurance will cover such vehicles. Still, 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.
Suppose you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies. In that case, you’re in for a big surprise. Many homeowner policies exclude ATVs, dirt bikes, snowmobiles, and the like, so you could be out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. A specialty off-road vehicle insurance policy will usually be custom-made
Suppose you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies. In that case, you’re in for a big surprise. Many homeowner policies exclude ATVs, dirt bikes, snowmobiles, and the like, so you could be out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. A specialty off-road vehicle insurance policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you can choose from several components.
for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you can choose from several components.
There are many types of insurance for off-roading, and every insurance agency has different policies. There are far too many to explain all of them here, but I’ll break down a few of the most common.
Bodily Injury: This type of insurance protects you from costs when you get into an accident that hurts someone else when it’s your fault. This basically means that if you hit someone, and it’s your fault, your insurance will cover their medical bills. This is important because health care is a considerable expense and usually one you want to avoid if you live in the United States.
Property Damage: This type of insurance covers costs when you damage someone else’s property. This includes other people’s cars, but if you’re off-roading on someone’s property, it can even have buildings, fences, any other property, and even their land itself if you happen to do any damage to it.
Comprehensive Insurance: Comprehensive Insurance covers damage to your vehicle that isn’t caused by a collision. Think about anything other than a crash with another vehicle, like rollovers, body damage, broken parts, and pretty much any other type of damage to your car. If you’re interested in this type of insurance, talk to your agency to get the specifics.
Collision Insurance: This one is pretty simple; it covers your costs when you get into an accident, and it’s your fault. This is contrary to liability insurance, which pays for the other person’s vehicle if you cause the collision. If someone else causes a crash with you, their insurance will pay for your damages.
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.
Although there are many things covered by car insurance, there are also many things that aren’t.
Wear and Tear
Unapproved Modifications: This is an important one for people that go off-roading because almost everyone puts mods on their car or truck. Before you go lifting your vehicles or adding huge tires, talk to your insurance agency and make sure they’re approved. If you don’t, you risk having your claim denied next time you have a problem with your vehicle.
Mechanical Failure: Surprisingly, if you have a problem with your engine that’s not from a crash, flood, or anything else along those lines, you’ll have to pay for your own repairs. This is especially unfortunate because engine failures are usually the most expensive. I hate writing this, but even if you have insurance and an issue with your engine, you’ll have to pay out of pocket.
Illegal Activity: If you were doing anything illegal when you had a problem with your car, even the problem would normally be covered; those problems won’t be paid for. Insurance companies don’t want to pay for your costs if you are doing illegal activities. As much as I don’t like insurance companies, I can’t blame them for this one.
Wear and Tear: Many, if not most, people that go off-roading use an older car. When your vehicle gets old, it’s common to experience wear and tear over time. Think of things like internal decay and rust on the body of your car. Unfortunately, something like this usually isn’t covered by insurance, and if you want to have them fixed, you’ll have to pay out of your own pocket.
Using an ATV is not like driving a car. Many states do not require that you carry insurance on your ATV, especially if you are only driving it on your own property. This rule also applies if you have permission to drive it on someone else’s private property. To use Missouri as an example, ATV owners are not required to carry insurance.
On the other hand, if you use an ATV on public lands such as a state or a public park, many states require that you carry liability coverage. You may also be required to have coverage if you are renting or financing your ATV.
When purchasing an off-road vehicle policy, it is also essential to consider 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 essential 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?
Typically, ATVs cost less to insure than motorcycles. The biggest reason for this lower price is how often people use ATVs. Even ardent enthusiasts generally drive fewer miles and spend less time on their ATVs than a motorcycle driver spends on their bike. Overall this means that there are fewer ATV accidents than motorcycle accidents.
Ultimately what you pay for ATV coverage depends on several factors, some of which are similar to the factors involved in purchasing car insurance. The driver’s age and sex, the age of the vehicle, where they use the vehicle, how often they use it and how much coverage they require all affect the price.
So, for instance, a middle-aged male driver who only uses their ATV on the weekend around their own property and only purchases liability coverage will pay less than a male driver in their 20s who spends more time on their ATV and takes their vehicle to a state park and wants collision and comprehensive coverage.
Ultimately, the best idea is to speak to an insurance broker, like David Pope Insurance Services LLC, who can give you a much clearer idea of what you will pay and how much insurance you really need.
Every insurance policy is different. This means that everybody’s insurance will cover different things, with different deductibles. This being said, I can give you a few of the basics. Most normal car insurance policies cover the exact same things that I listed above.
The only real difference is that those types of insurance cover those incidents when they happen off-road. They’re almost the exact same policies, one for off-road and one for normal use. All the ones I listed above are also available for off-road only vehicles, like ATVs and dirt bikes.
The point of all this is that all of the things I listed above are most likely covered by your current insurance policy when you’re driving on public roads. Unfortunately, these things usually aren’t going to be covered if they happen off-road.
Off-road insurance prices depend greatly on usage, a person’s profile, and driving history. DUI or reckless driving can really hike up the expenditures since this is already a hazardous activity.
If you’ve been putting off looking for four-wheeler insurance because of concerns about cost, think about how much more expensive it can be not to carry ATV insurance. If you’re looking for ATV insurance, CompareAQuote can help you navigate the different complexities and types of insurance that are available for your ATV, dirt bike, or any kind of all-terrain, off-road vehicle.