Insurance Coverage For Off-Road Vehicles

November 22, 2020

With Christmas just around the corner, families throughout Florida are making big purchases on fun stuff for their families, like all-terrain vehicles (ATVs), utility vehicles (UTVs), dune buggies, golf carts, go-karts, trail bikes, and more. Even though these hot gift items can be costly, insuring them doesn’t have to be!  HH Insurance offers insurance coverage beyond your auto and homeowners insurance Tampa policies to make sure that you and your family are protected in the event of an accident or damage occurs. Typically, homeowners insurance Tampa will not cover your ATV or UTV if it’s damaged in an accident, as your property coverage doesn’t extend to vehicles. A separate insurance policy is required – and that’s where HH Insurance comes into play!

What Is Covered?

-Bodily Injury Liability – This coverage pays for damages associated with any other parties injured or killed in an accident associated with your ATV or off-road vehicle. It will also cover any legal fees resulting from any litigation against the policyholder.

-Property Damage Liability – This coverage is similar to bodily injury liability, except it pays for the cost of any damage an ATV or UTV driver might cause to another person’s property. This includes personal property (such as any belongings) as well as their home or yard.

-Other optional policies include medical payment coverage, uninsured/underinsured motorists, collision, and comprehensive. 

What Is Excluded From Coverage?

Owners and riders need to be aware of certain circumstances excluded from ATV insurance coverage, either due to higher levels of risk or illegal behavior. For example:

-Standard policies will not cover any loss or damages related to organized racing. Most ATV racing insurance policies are offered by specialty insurers.

-Riding an ATV or UTV on highways and roads is excluded from insurance coverage because it is illegal. The only exception to this would be operating an ATV on a roadway in response to an emergency.

HH Insurance

According to The National Association of Insurance Commissioners (NAIC), ATV’s and UTV’s are not covered by a standard auto insurance policy. And while some homeowners insurance Tampa policies may help protect you when you’re driving your ATV or UTV, the NAIC says they’ll likely offer limited coverage. Talk to your agent at HH Insurance about whether your current policies offer any protection, how much, and under what circumstances. Get in touch with us today to learn more!