California Off-Road Vehicle Insurance

An accident doesn’t have to sideline your off-road fun.

What a better way to unwind than having the spray of snow from your snowmobile, the splash of mud from your dirt bike or even the gentle ride on a golf cart? All of these things help you relax and remember that life isn’t just about work.

No one wants to get into an accident, especially in the middle of much-needed fun, but it happens all the time. Sometimes people get hurt, and sometimes your off-road vehicle is totaled. Your fun gets derailed, and now you have to deal with more problems—paying for all the damage and medical bills and possibly getting sued if you caused the accident.

There’s nothing fun about a lawsuit.

Your off-road vehicle isn’t street legal, so your auto insurance won’t cover it. Although it’s your personal property, your home insurance policy probably doesn’t either. So what should you do?

Protect yourself and your off-road vehicles with an off-road vehicle insurance policy.

What Off-Road Vehicles Can You Insure?

Not all off-road vehicles are the same, so you might not realize how many of them can be insured by the same type of coverage.

• ATVs – 3, 4, or 6 wheels
• Golf carts
• Dune buggies
• Dirt bikes
• Snowmobiles

If you’ve got multiple “toys,” you’ll need an insurance policy that can cover you from all angles. The accidents you can get into in a golf cart are different from the ones that happen on a dirt bike. At IBW, we can help you choose a policy that covers all of your off-road vehicles, no matter what kind you have.

Available Off-Road Vehicle Coverage

Collision: If you hit another off-road vehicle, a parked car, or a ditch, you’ll be covered. Your policy may also cover damage like scrapes, dings, or scratches.

Comprehensive: If your off-road vehicle is stolen, vandalized, or destroyed by a fire or animals, you’ll be covered.

Liability: Similar to other property insurance, if you cause injury or property damage in an accident, you’ll be covered.

If you want coverage for your off-road vehicle beyond the basics, consider the following options:

• Medical payments
• Safety apparel coverage
• Equipment coverage
• Transport trailer coverage
• Aftermarket parts coverage

The better your insurance, the sooner you will be back to your preferred off-road leisurely activity. No one wants to have an accident but when it happens, make sure you’re covered.

At IBW, we know how important it is to cut loose and have fun when you work hard for your family. Let us help you insure your fun so an accident doesn’t slow you down for too long. Contact us today!