What You Should Keep an Eye on for Off-Road Vehicle Insurance in Calimesa, CA
Off-roading sends a rush of adrenaline and can be extremely fun, but it’s important to have proper off-road vehicle insurance in Calimesa, CA.
Whatever off-road vehicle you operate, it can be a source of endless enjoyment so long as you and your equipment are properly protected. Otherwise, you’ll be left having to reach deep into your pockets to pay for any repairs or medical bills should you be involved in an accident. Just like all ATV riders are recommended to wear helmets, it’s essential to have an insurance policy covering you and your off-road vehicle in place before you go hitting any trails. Here is what you need to know when it comes to off-road vehicle insurance in Calimesa, CA.
Beyond Auto and Home Insurance – Off-Road Vehicle
Your standard auto or Homeowners insurance does not cover your ATV, golf cart, dune buggy, dirt bike, or snowmobile. The reason being is because these are not standard nor regulated vehicles and when they are being used the road is not their prime method of transport.
That doesn’t mean that your off-road vehicles have to go unprotected. There are insurance policies that are available to your off-road vehicles.
Some states don’t legally require off-road insurance, many owners of off-road vehicle owners choose to purchase a policy anyway because they know the pros of paying a relatively small premium fee vastly outweigh the cons of not having this kind of coverage.
- Collision Coverage. The costs of repairing damages to your off-road vehicle can run into thousands of dollars. Collision coverage helps cover the repairs to your vehicle.
- Bodily Injury Liability. If you have an accident and someone else is hurt, you could be liable for that person’s medical expenses which could include doctor, hospital and dentist bills. This coverage covers these expenses.
- Property Damage Liability. In the event you cause damage to someone else’s property, such as a home, cabin or vehicle, this insurance will cover the costs of repairs to the structure.
- Comprehensive Coverage. This covers damages from accidents that don’t involve another car, or really anyone at fault. For things like tree branches falling on your vehicle.
Contact the independent insurance professionals at Little & Sons Insurance Services for all of your off-road insurance needs in Banning, Beaumont, Calimesa, and surrounding California areas. We will work with you to file a claim, and be there when you need us.