An off-road vehicle is driven on non-asphalt terrains and dirt roads and may include a dirt bike, snowmobile, golf cart, or an all-terrain vehicle. They are not included in the standard auto insurance policy and so need separate specialty coverage known as off-road vehicle insurance. It offers coverage for:

• Bodily injury liability
• Property damage liability
• Collision coverage
• Comprehensive coverage

You may buy added coverage for increased protection, such as:

• Uninsured/underinsured motorist coverage
• Medical payments
• Accessory coverage
• Towing and labor costs coverage

If you own an off-road vehicle, you need to have off-road vehicle insurance. Off-roading can be risky, so you must stay adequately covered to avoid financial loss. Also, many state and public parks require off-road vehicle drivers to carry this coverage.

However, the coverage extent may depend on:

• Value of the vehicle: For more expensive vehicles, you may need higher coverage
• Your track record: If you have had fewer or no mishaps, lesser coverage may be sufficient

• Faster compensation for vehicle repair
• Affordable insurance costs
• Personalized coverage
• Simple claim process

Off-road vehicle insurance is often more expensive than auto insurance as it is specialized coverage. While on average the coverage may cost you anywhere between $100 to $1,500, the rates may differ depending on the factors mentioned below.

• Vehicle type
• Your age and driving record
• Area of residence

1. Inform your insurer and provide details of the incident
2. Wait for the adjuster’s assessment report
3. If they accept your claim, you will receive compensation
4. If the claim is denied, you can offer additional proof or file a complaint with your state’s insurance department.

• Regular wear and tear
• Natural calamities
• Animals