Off-Road Vehicle Insurance

How to Buy Insurance for ATVs, Snowmobiles & Other Off-Road Vehicles

Although it may be possible to get some types of off-road insurance from regular auto insurance companies, it is not very likely as off-road vehicle insurance is often handled by specialty insurance companies. You should never assume that your off-road vehicle is somehow automatically covered under your regular car insurance or your homeowner insurance.

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Specialized companies sell policies for different types of off-road vehicles. Even between these companies rates and coverage vary, so for the best deals it does pay to shop around a little.

What Should Be Covered In The Insurance Policy

Here are the things you’ll want insurance for: property damage, limited medical payments for rollovers and collisions, and personal liability coverage.

Although property damage will differ from one type of off-road vehicle to another, generally speaking, it will cover the vehicle itself, any equipment attached to the vehicle, and such features as radios, lights, horns, engines, and fuel tanks.

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What Type Of Insurance Coverage Is Best

Since many off-road vehicles are driven within private property, like an ATV, or hold private property within them, like an RV, the best type of coverage to get
should be comprehensive personal liability. This means any personal injury to you, a guest, or an authorized user is insured. Depending on your vehicle, your main task as a policy buyer is to imagine possible accident scenarios and try to get insurance coverage for the holes.

What Is Necessary To Meet State Laws for Off-Road Vehicle Insurance

Again, no one rule applies for different off-road vehicles across all states. Some states, for example, require some insurance on dirt bikes, others don’t insist on it. However, regardless of what the legal requirements are, off road vehicles are subject to numerous accidents because they are often less stable than regular cars and have to drive on uneven terrain. This is why getting insurance for them is necessary regardless of the legal issues.