ATVs, UTVs, dirt bikes and even side-by-sides are great toys for the big kids. Nothing beats hitting the off-road trails with friends and getting a little dirty in the mud.

However, in good times such as these, the last thing you want to think about is whether your vehicle is properly insured. There are varying approaches within the insurance industry when it comes to insuring these fun-time vehicles.

The term “off-road vehicle” describes any motorized vehicle that can travel across mud, snow, sand and other challenging terrains. Side-by-sides have a more traditional steering wheel and get their name from the two seats that sit beside one another (although some have a single bench seat, and larger versions may also feature back seats). ATVs, on the other hand, have handlebars more like a motorcycle. Dune buggies are specific off-road vehicles with oversized tires built to traverse beaches or desert landscapes.

Some homeowner policies cover these vehicles while used on your premises while other policies do not. Off-road Vehicle Insurance is specifically built to protect you and your off-road vehicle. And while many states do not require insurance for ATV, UTVs, dirt bikes and similar off-road vehicles, it may be required at certain private trails and parks where you plan to ride.

Because these types of vehicles are typically ridden on rough terrain, comprehensive and collision coverage may help repair your off-road vehicle if you run into the unexpected. And, since ATVs are not ridden on typical roadways, passengers are more prone to injury due to the rough terrain. Liability coverage may help protect you — and your assets — in the event of an accident.

The safe answer, as always, is to secure a policy that provides specific coverage for your ATV, UTV or dirt bike.

Give McMichael Insurance a call to talk with one of our experienced agents. Some of the Off-road Vehicle Insurance options you may want to consider for your vehicle include:

  • Bodily Injury and Property Damage Liability
  • Comprehensive and Collision
  • Custom Parts and Equipment
  • Roadside Assistance
  • Uninsured/Underinsured Motorist