Summer is just around the corner…almost time to get the summer toys out!
Off-road vehicles are an excellent source of recreation and can be a lot of fun to drive. However, many off-road owners may be surprised to learn that their personal car insurance policy does not cover off-road vehicles. In this blog, we will discuss why off-road vehicles require separate insurance policies and what should be included in the insurance coverage.
Off-road vehicle insurance needs depend on whether the vehicle is driven on private or public roads. If the off-road vehicle is driven on public roads, the driver is required by law to have at least liability insurance to protect themselves and others. Liability insurance covers bodily injury or property damage caused to others due to the driver’s fault. Even if the vehicle is driven for a short distance, it is essential to have insurance on public property to protect against financial and legal risks.
Private property does not require insurance coverage, but it is still advisable to have a minimum of liability coverage for the off-road vehicle. You never know when you will need to take your vehicle out on public property, and driving without insurance can be a costly mistake.
Off-road insurance coverage should include, at minimum, bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. Bodily injury liability covers medical expenses for another person injured in an accident caused by the driver. Property damage liability covers the cost of replacing items damaged in an accident caused by the driver. Collision coverage pays for any physical damage to the driver’s vehicle if they get into an accident. Comprehensive coverage covers damages caused by anything other than an accident, such as theft, flooding, or fire.
Optional coverage, such as towing, is also available. Uninsured motorist coverage is also an option if someone who is uninsured causes damage to the off-road vehicle. It is essential to read over the policy carefully to determine coverage limits and deductibles.
Off-road insurance differs from regular car insurance mainly due to the recreational purpose of off-road vehicles and their features. Mods and accessories, such as specialized tires and LED headlights, are often covered by off-road insurance, resulting in higher premiums. Animal or livestock collision coverage is sometimes offered since these accidents are more likely to occur when driving through the countryside.
In conclusion, off-road vehicles require separate insurance policies due to their features and recreational use. It is essential to have insurance coverage on public roads to protect against financial and legal risks. Minimum coverage should include bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. Optional coverage, such as towing, is also available. It is best to research insurance options to find the best coverage for off-road vehicles.