Your homeowner’s or renter’s insurance most likely does not cover your off-road vehicles. If you own a dirt bike, snowmobile, ATV, dune buggy or golf cart, you should look into purchasing a dedicated insurance policy from one of the experienced Connecticut insurance companies. A good insurance package should cover the following four aspects.
Just like auto insurance, you need collision coverage. When blazing down trails and crawling rocks, accidents can happen faster than expected. You want to make sure that costly repairs on your vehicle are covered so you don’t have to pay with money out of your own pocket. Aside from damage to your vehicle, there’s also damage to someone else’s property that you need to take into account. That’s where property damage liability coverage comes in. It pays for repairs to another person’s property if you are responsible for the damage. Another important aspect to consider is bodily injury liability. Getting this coverage ensures that you don’t have to pay for the medical expenses of someone that you injured. Last but not least, there’s comprehensive coverage. Just like your car, your off-road vehicle can get damaged or stolen. Natural disasters and thieves don’t need to be a concern of yours if you have comprehensive coverage.
Hitting the trails is a lot of fun. Getting proper insurance from one of the dedicated Connecticut insurance companies can give you a peace of mind when hitting the trails, so you can focus on having fun instead of being worried about all the bad things that can happen.