What Does Off-road Vehicle Insurance Cover?

Coverage for Off-road Vehicles

At PSIC, we prioritize your safety and the security of your bike, which is why we strive to provide comprehensive protection to ensure you and your off-road vehicle are covered at all times.

Liability related coverage

By trusting in our service you can focus on enjoying your rides as we’ll take care of any liability claims. Discover the main aspects of this policy.

What is bodily injury and property damage liability coverage?

Bodily injury and property damage liability coverage is included in our standard coverage and offers vital help in case you’re found legally responsible for injuries to another person or any property damages resulting from an accident.

In the unfortunate event of an accident in which you’re at fault, we’ll provide essential assistance to cover third-party medical expenses and damaged vehicle repair costs, and even protect you if you face a legal process due to that unwanted situation.

Vehicle related coverage

We know you want to protect your off-road vehicle from unexpected situations, which is why we tailored coverage options specifically designed to guard and preserve your ATV and any additional accessories it has.

What is comprehensive and collision coverage?

The comprehensive and collision coverage safeguards your ATV by taking care of the repair costs resulting from accidents with an object or another vehicle, or non-collision events such as theft, vandalism, or damage caused by falling objects. This applies when you’re at fault for the damage caused.

This add-on option provides the necessary support to ensure comprehensive protection for your ATV against a diverse array of risks. It acts like a safety net to help you in situations out of your control, whether it is addressing losses resulting from theft, vandalism, or repairing damage caused by a collision, among others.

What is accessory coverage?

Accessory coverage offers essential protection for the enhancements and accessories you’ve installed on your off-road vehicle, ensuring that the costs of repairing or replacing things like seats, wheels, electronics, and custom paint are included in case of damage or loss.

By opting for this endorsement, you can protect the value and integrity of the personalized features on your off-road vehicle. Whether it’s the distinctive paintwork, upgraded rims, or specialized electronic gear, we’ll restore or substitute these enhancements.

What is Safety riding apparel coverage?

Safety riding apparel coverage ensures the protection of your riding equipment during your journeys. This option specifically encompasses helmets, protective clothing, riding boots, gloves, and goggles, guaranteeing that these crucial items are included in case of harm, loss, or theft.

We understand the importance of wearing appropriate safety gear, including a helmet and brightly colored gear, as this may reduce the risk of injuries. By choosing this add-on, you can rest assured that those valuable items you’ve got to match your off-road vehicles are fully covered.

Finances related coverage

You can be confident that we’ll keep your financial well-being secure by protecting you from any financial risks that may arise.

Emergency related

Recognizing that emergencies can occur on the road, we are committed to your safety and want you to be assured that we’ll take care of safeguarding your off-road vehicle and your well-being day and night.

Where Does PSIC Offer Off-road Vehicle Insurance Coverage?

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