What is Off-road Vehicle Insurance?

Do You Need Insurance for an Off-road Vehicle?

Some states are known to require proof of 0ff-road insurance when riding on state property. But, even if it’s not mandatory to cover your vehicle where you live, you should get insurance to protect your ATV, UTV, or dirt bike from any potential risks as well as for your own safety.

Off-road Vehicle Insurance is crucial because off-road drivers are more prone to accidents. Without this coverage, you may be held liable for medical expenses in case of injuries to third parties or damage to their vehicles in accidents for which you’re responsible. Ultimately, even if insurance isn’t legally mandated for your riding area, we strongly advise you to prioritize your safety whenever you hit the road with your vehicle.

Are Off-road Vehicles Covered by Homeowners Insurance?

It’s a common misconception, but Homeowners Insurance coverage doesn’t extend to off-road vehicles. While it may offer minor protection to some types of vehicles when they’re inside of the insured property, if you want to ensure adequate coverage for your off-road vehicles while riding, you’ll need to get a separate policy.

Understanding that Homeowners Insurance gives little to no coverage for your off-road vehicle, especially once you leave your property, highlights the importance of getting a specific insurance policy designed to provide comprehensive protection for your vehicle against potential damages and unwanted incidents.

What Does Off-road Vehicle Insurance Cover?

PSIC’s Off-road Vehicle Insurance offers extensive coverage to guarantee your complete protection. Our standard Off-road Vehicle Insurance coverage serves as a safety net, assisting in cases where you are held liable for accidents that result in bodily injury or property damage.

Alongside our standard coverage, we provide a range of optional coverage designed to meet your unique requirements. These endorsements give you the necessary support in different cases. For instance, our roadside assistance and accessory coverages will keep you safe while you resume your journey. We also have other add-ons specialized in preserving your off-road vehicle at all times, like comprehensive and collision coverage and safety riding apparel coverage, among many more add-ons that you can take advantage of to customize an Off-road Vehicle Insurance that best suits your needs.

Does Off-road Vehicle Insurance Cover Passengers?

With Off-road Vehicle Insurance you can rest assured that both your vehicle and passengers are covered, as long as the person who is driving has a valid driver’s license and is at least 16 years old, our policy protects everyone on board.

You won’t have to worry if an unexpected event occurs and you’re traveling with a familiar or a friend, or even if someone else takes your ATV for a ride as all passengers will remain covered under your policy. While we strive to prevent accidents, in the unfortunate event of a collision where you or the driver of your ATV is at fault, our coverage takes care of medical expenses and necessary repairs.

How Much is Off-road Vehicle Insurance?

The cost of Off-road Vehicle Insurance is influenced by a few factors, such as your location, your driving history, vehicle age and type, and more. Although we cannot give you an initial price, we offer competitive rates and a wide range of coverage options to ensure you and your bike are safeguarded day and night.

It’s important to consider that the more coverage you choose, the greater your level of protection will be, but this may affect the overall cost of your policy. Additionally, we provide an extensive selection of discounts that you can leverage to save money while still enjoying the quality of our services. We recommend you contact an agent to begin tailoring your Off-road Vehicle Insurance with us.

Where Does PSIC Offer Off-road Vehicle Insurance Coverage?

At PSIC, we provide Off-road Vehicle Insurance coverage in the state of California