Do you own a large vehicle that has the ability to tackle any hill or mud pit out there? It can be a lot of fun to go off-roading, whether you are in the desert or a field. Yet, off-road vehicles usually do not have coverage under a typical auto insurance policy for such activities. If you plan to go off-roading, you need to update your policy to include this status. It is common for vehicle owners not to know they need off-road vehicle insurance.
What Makes Off-Road Vehicle Insurance Different?
Any type of off-road vehicle is a high-risk car from an insurance standpoint. This includes traditional SUVs built for off-roading, as well as four-wheelers and even dirt bikes.
Because off-road conditions are dangerous, a standard car insurance plan generally does not work. Rather, your vehicle lender might require you to get additional coverage.
Here are a few things that make off-road insurance different.
Bodily Injury Liability
You may need more bodily injury liability insurance than a typical auto policy. This insurance provides protection to another person if you cause injury to them. It helps pay when you cause damage to other people including other drivers, bystanders or others.
Property Damage Liability
There is more risk of damage to surrounding areas and structures when you are off-roading. This component of your liability insurance helps cover those losses, such as replacing items you damage.
Most off-road vehicle insurance policies also include protections for the car itself. Comprehensive coverage may include protection from damage caused by storms or theft. However, it may not include coverage for your off-roading related accidents.
The risk of damage in an accident to your car is high. Whether you hit a tree or slide into another driver, collision insurance can help make repairs to your vehicle. This is likely to be significantly higher coverage for off-roading vehicles.
Many of these are types of insurance that apply to traditional car insurance. Yet, it is important to watch the wording of the policy. Some policies may not cover your off-road vehicle if used on the traditional roadway. This is likely in situations where you want protection for an ATV or dirt bike. If this is a traditional street-legal car, you need different auto insurance to cover your risks including both on and off-road adventures. Contact Iowa Insurance Store to learn more about coverage options for your off-road vehicle.
Also Read: Auto Insurance Coverage for T-Bone Accidents – Who Covers It?