7 Important Questions You Must Ask Before Buying Off-Road Insurance Policy

If you enjoy driving your off-road vehicle on gravelly paths and dirt lanes and exploring the nearby trails or are an adventure sports aficionado, you must have off-road vehicle insurance. You can experience the ultimate thrill and pursue your passion for adventure with the assurance that you are financially covered in the event of a mishap.

However, you must ensure your policy offers the best coverage for your needs. To help you with this, we will discuss seven crucial questions you must ask before buying coverage.

7 Questions You Must Ask to Get the Best Off-Road Vehicle Insurance

What is Off-Road Vehicle Insurance, and What Does It Cover?

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

How Do I Know I Need Off-Road Vehicle Insurance?

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

What are the Benefits of Having Off-Road Vehicle Insurance?

There are several benefits to buying this insurance. They are:

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

What is the Cost of Off-Road Vehicle Insurance?

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.

What Factors May Affect the Cost of My Off-Road Vehicle Insurance?

Factors that may affect off-road vehicle insurance costs are:

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

What are the Steps to File a Claim on My Off-Road Vehicle Insurance?

To file a claim, you must:

  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.

Are There Any Exclusions in the Off-Road Vehicle Insurance?

Your policy may not pay for the damages caused by:

  • Regular wear and tear
  • Natural calamities
  • Animals

Cover Your ATVs with Jack Stone Insurance

Contact us today to know more about off-road vehicle insurance offered in Brentwood, CA. At Jack Stone Insurance Agency, we offer customized coverage that best suits your budget and aligns with your unique requirements.

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