Offroad Vehicle Insurance
An “off-road” vehicle, or OHV (Off Highway Vehicles), is used on dirt trails and other non-asphalt terrains. This includes all-terrain vehicles (ATVs), dirt bikes, snowmobiles, side-by-sides, sand rail, dune buggies, enduro bike, trail bike, and mountain bike. Most homeowner's insurance policies give you little to no protection for your off-road vehicle, especially once you leave your property. These off-road vehicles do not require regular vehicle registration, but they must display an ID plate or placard issued by the DMV. Vehicles must be registered as OHV to become legal for off-roading activities.
Off-road vehicle insurance provides the following coverages:
- Collision coverage: If you hit a fence, fallen tree, or another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.
- Bodily injury liability: If you have an accident, and you are found liable for someone else's injuries, bodily injury liability coverage may help cover that person's medical bills.
- Property damage liability: If you accidentally damage someone else's property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.
- Comprehensive coverage: If your off-road vehicle is damaged by something other than a collision, comprehensive coverage may help pay for repairs. For instance, if your ATV is damaged by hail or your snowmobile is stolen, comprehensive coverage may help pay to repair or replace it.