Coverage Options for Different Types of Off-Road Vehicles.

Reviewed by: Jarrod Long, Product Development Manager, and Ryan Venlet, Sr. Product Manager at Foremost

ATVs, UTVs, side-by-sides, dirt bikes, dune buggies, snowmobiles and the many other Off-Road Vehicles (ORVs) make our lives a little brighter and our pant legs a little bit muddier. When you go off-road for your weekend adventures, searching for the right insurance can be a little bit of a bumpy ride. Finding the right coverage for a side-by-side or a snowmobile can feel a lot more complicated than finding the right coverage for your car, but don't worry this article attempts to break it down for you in simple terms.

Given the variety of risks and uses associated with ORVs, coverage usually falls under what's considered specialty insurance. While it might sound special, it's not too different from your standard auto policy with coverage options available to cover Bodily Injury Liability (including Passenger Liability), Property Damage Liability, Collision Coverage, Comprehensive Coverage, coverage for custom parts/accessories (Optional Equipment), and Uninsured Motorists Bodily Injury Liability coverage^*.

Nowadays, these coverages exist for nearly any ORV out there depending on the vehicle's usage. Specialized coverage exists for:

• ATVs (quads)
• Side By Side Utility Vehicles
• Dirt bikes/Trail bikes
• Dune buggies
• Snowmobiles
• Golf carts

Coverage is specifically designed to cover the unique risks that come with these recreational activities. Also, if you bundle coverage with other existing policies such as auto or home you may be eligible for a multi-policy discount. Looking for guidance as you search for specialized coverage? Find a Foremost^® Agent near you now or call us at 888-244-8092.

^* Coverage offerings will vary by state.

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