Off-Road Vehicle Insurance

What Is Off-Road Vehicle Insurance?

Off-road vehicle insurance protects ATVs, UTVs, dirt bikes, dune buggies, and other recreational off-road vehicles. It covers damage to your vehicle and provides liability protection for injuries and property damage you may cause while riding on trails, private property, or designated off-road areas.

Why You Need Off-Road Vehicle Insurance

• May be required to ride on public trails and parks
• Protects your investment in your off-road vehicle
• Covers liability if you injure someone or damage property
• Protects against theft, vandalism, and damage
• Provides medical coverage for rider injuries

Common Coverages

Liability coverage pays for injuries and property damage you cause while riding. Collision coverage handles damage to your vehicle from accidents and rollovers. Comprehensive coverage protects against theft, fire, vandalism, and weather damage. Medical payments coverage handles your injuries and those of your passengers. Uninsured motorist coverage protects you when another rider has no insurance. Accessory coverage protects custom parts and modifications.

Does My Auto or Homeowners Policy Cover My ATV?

Standard auto and homeowners policies provide very limited coverage for off-road vehicles. They typically don't cover liability while riding or comprehensive physical damage. A dedicated off-road vehicle policy ensures you have proper protection for your recreational activities.