Off-Road Vehicle Insurance in Taylorsville
Off-road vehicle insurance can be a financial safeguard for individuals who own recreational vehicles not meant for conventional road use. Unlike traditional auto insurance, off-road vehicle insurance is tailored to protect these off-road machines, their operators and their passengers from the unique risks and perils that arise while navigating rough and often unpredictable terrains.
What Is Off-road Vehicle Insurance?
Off-road vehicle insurance covers vehicles used for recreational purposes, such as all-terrain vehicles (ATVs), dirt bikes, dune buggies, snowmobiles and off-road trucks. Off-road vehicle insurance covers these vehicles when used off public roads, such as on private property, designated recreational areas or off-road trails.
What Does Off-road Vehicle Insurance Cover?
Off-road vehicle insurance typically includes the following coverage:
- Liability coverage—This type of insurance can provide coverage if you cause injury to another person or damage their property while operating your off-road vehicle. It can help cover third parties’ medical expenses, legal fees, and property damage costs.
- Physical damage coverage—This part of the policy can help cover repairs or replacement costs for your off-road vehicle if it’s damaged in an accident or due to other covered perils like theft or vandalism.
- Comprehensive coverage—This can protect your off-road vehicle against non-collision events, such as fire, theft, vandalism and select natural disasters.
- Uninsured/underinsured motorist coverage—This coverage can financially protect you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. If you’re injured or your property is damaged in such a situation, uninsured/underinsured motorist coverage can help pay for medical expenses, lost wages and property damage that the at-fault driver’s insurance would typically cover if they were adequately insured.
- Medical payments coverage—This type of coverage can assist with your medical expenses if you or your passengers are injured in an off-road vehicle accident.
- Custom equipment coverage—If you’ve added aftermarket or custom parts to your off-road vehicle, this coverage can help repair or replace them in case of damage or theft.
- Trailer coverage—If you use a trailer to transport your off-road vehicle, some policies may include coverage for the trailer itself.
Who Insures Off-road Vehicles?
Contact Goal Insurance today if you need off-road vehicle insurance. We can provide coverage suggestions tailored to your vehicle and how you use it.