Off Road Vehicles are becoming increasingly popular and come in various models. Most insurance companies have a different set of rules for off-road units. We specialize in all manner off-road vehicles including:
ATVs & UTVs (including street legal side by sides)
Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks in Ohio, Kentucky, Indiana & Michigan require specialty vehicle riders to be properly insured.
Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
Every specialty vehicle policy is unique, but here is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies.
What does it cover?
Physical damage coverage – pays for covered damage to your vehicle when in a collision with another vehicle and other things like fire, theft, or vandalism.
Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
Bodily injury liability coverage – insures you against certain damages if you injure someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
Accessories – We get it, these vehicles get modified! We will protect the aftermarket accessories you have put on your vehicle.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording, details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.