Why You Need Off-Road Insurance

Why You Need Off-Road Insurance

You might not realize your off-road vehicle needs specialized insurance to protect you if there is an accident. Typically, auto or homeowner policies do not cover these kinds of recreational transportation.

What Vehicles Do Off-Road Policies Cover?

This type of insurance covers all-terrain vehicles, dirt bikes, snowmobiles, golf carts, go-carts and more. Contact a company experienced with off-road insurance in New Jersey to ensure the best protection of your investment.

What Safeguards Does Coverage Provide?

An off-road policy is specific to your vehicle and the way you use it. Coverage can include the following:

  • Collision pays for repairs to your damaged vehicle after a crash, regardless of fault.
  • Liability covers the cost of third-party property damage or injuries caused by your off-road vehicle. It can also settle expenses such as medical bills and legal fees.
  • Comprehensive handles damages inflicted by events other than collisions, such as hail, fire, theft or vandalism.
  • Uninsured Motorist insurance fills the compensation void in a mishap with an uninsured or underinsured driver.

You are required to have adequate off-road insurance in New Jersey for your all-terrain vehicle. Off-road toys and utility vehicles are valuable, but people often think they don’t need insurance since they do not drive on the road. Protect yourself and your financial investment with the right policy for you.