Off-Road Vehicle Insurance

One of the most fun and exciting activities you can do in the great outdoors is “four wheeling” or driving an off-road vehicle through some of the great open spaces in the Southeast.  Florida has some great back roads and large expanses of woodlands to take advantage of and with the proper equipment and precautions, this activity can be safe. 

Accidents do happen and without the protection of a larger vehicle around you, the physical damage can often be high.  Off-road vehicle insurance is available to protect you from the high cost of medical bills and property damage as a result of an accident caused by you or someone else. 

In the state of Florida, off-road vehicle insurance is not required to register an ATV  However, if you’ve ever driven one, you know that no matter how easy they are to handle, there is always the chance that you’ll have to swerve to avoid a squirrel that runs across your path or worse, a child that wanders into the way. 

Coverage for Your Off-Road Vehicles
ATV Insurance

If an accident happens, the person at fault will need to pay the damages whether it’s a knocked down fence or a broken arm.  These costs can produce a real financial hardship and the only way to protect yourself from this is to have off-road vehicle insurance sometimes referred to as ATV insurance.  There are some cases where this type of coverage is included in your homeowners policy but this is rare.  Our agents are ready to help you decide if this is a separate coverage needed in your portfolio or if you are covered elsewhere.  We’re also able to help you understand the potential liability costs of an accident and can even provide statistics on claims filed in the past.

Whether for fun or working on the farm, these types of vehicles don’t offer the protection of a car or truck when accidents happen. This can result in serious financial losses if you’re responsible for the entire healthcare bill as is usually the case with these vehicles.

Contact us today and let us help you determine if ATV insurance is a good fit for you and your property.