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Off-road Vehicle Insurance

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Arnold Smith Insurance/ off road vehicle insurance

Off-road Vehicle Insurance Provided By Our Agency

Most off-road vehicles are built for adventure — whether you’re enjoying the trail on a snowmobile or hitting the apex on your dirt bike. But before you hit the trails, you’ll want to ensure you’ve got the protection you need to enjoy your rugged adventures worry-free.

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Bodily injury to others
Property damage to others
Collision with fallen tree
Collision with others
Theft of vehicle

Bodily injury to others coverage

Risk Factors

While driving your off-road vehicle, you may meet with an accident and injure other people involved.

Solution

If you have an accident and you’re found liable for someone else’s injuries, bodily injury liability coverage may help cover that person’s medical bills.

Property damage to others coverage

Risk Factors

While driving your off-road vehicle, you may meet with an accident and damage someone’s personal property.

Solution

If you accidentally cause damage to someone else’s property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.

Collision with fallen tree coverage

Risk Factors

Off-road terrain can be pretty dangerous, and you may end up having a collision with a tree which may damage your vehicle.

Solution

If you hit a fallen tree, collision coverage may help cover the cost of repairs to your vehicle.

Collision with others coverage

Risk Factors

There may be instances where you collide with another off-road vehicle and damage the vehicle.

Solution

If you hit another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.

Theft of vehicle coverage

Risk Factors

You forgot to lock your vehicle, and someone stole your vehicle parked outside your house. You need to pay the legal fees and suffer a huge loss.

Solution

If your off-road vehicle is damaged by something other than a collision, comprehensive coverage may help pay for repairs. It may help pay to repair or replace it.

Why Off-road Vehicle Insurance?

Your off-road vehicle isn’t street legal, so your auto insurance won’t cover it. Also, although it’s your personal property, your home insurance policy probably doesn’t. So what should you do?

Protect yourself and your off-road vehicles with an off-road vehicle insurance policy.

Not all off-road vehicles are the same, so you might not realize how many of them can be insured by the same type of coverage.
  • ATVs – 3, 4, or 6 wheels
  • Golf carts
  • Dune buggies
  • Dirt bikes
  • Snowmobiles

If you’ve got multiple “toys,” you’ll need an insurance policy to cover you from all angles. For example, the accidents you can get into in a golf cart differ from those on a dirt bike. We can help you choose a policy that covers all your off-road vehicles, no matter what kind you have.

What is covered by Off-road Vehicle Insurance?

Riding means staying aware of your surroundings and anticipating the weather and the moves of others around you. If an accident were to happen, off-road insurance could protect you. What does it mostly cover? (Check with us to be sure)
  • Bodily injury to someone else or property damage that you accidentally caused while driving your snowmobile, golf cart, or ATV
  • Bodily injury to yourself because of an accident with an uninsured rider
  • Damage to your snowmobile, golf cart, or ATV caused by an accident
  • Theft, fire, vandalism, and other losses even while your off-road vehicle is in storage

What is the importance of Off-road Vehicle Insurance?

Whether used for leisure, sport, or transportation around off-road locations, dirt bikes and other off-road vehicles can be fun for riders of all ages. However, roadway passenger vehicles require extensive auto insurance coverage before they can be operated legally. Therefore, owners of off-road vehicles should consider treating their dirt bikes, motorbikes, and ATVs in the same regard.

In the case of collision, theft, vandalism, or other damage, off-road vehicle owners may want adequate insurance coverage for help with repair or replacement.

The better your insurance, the sooner you will return to your preferred off-road leisurely activity. Of course, no one wants to have an accident, but when it happens, make sure you’re covered.

We know how important it is to cut loose and have fun when you work hard for your family. Let us help you insure your fun so an accident doesn’t slow you down too long. Contact us today!

Already have Off-road Vehicle Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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