UTVs have exploded in popularity in recent years. Though you can’t legally drive UTVs on streets and highways, it still makes sense to insure them. After all, you’ve invested thousands of dollars in this off-road vehicle so it makes sense to insure it, especially when heading off the beaten path.
UTV Insurance Basics
UTVs, short for utility task vehicles, are used for adventurous fun, farm tasks and even on ranches. These off-road machines are built to take on undulating terrain and other challenges without suffering damage. However, if you used your UTV long enough, problems are bound to arise. You might damage the underbody when traversing the woods, wetlands or farmland. You might also strike a stationary object, damage a wheel or endure other damage when exploring the wilderness.
In such an event, UTV insurance is essential. Obtain the right coverage and you’ll take to the trails, vast farmland and ranchland with confidence. In some cases, UTVs specifically used for ranch or farm work are covered through a farm insurance policy. If your motivation for buying a UTV is such, reach out to AFI insurance for a customized insurance policy.
Protection When Taking Outdoor Risks
Riding a UTV in Denver, CO is inherently risky. Such vehicles lack the safeguards of regular automobiles, meaning a collision is that much more likely to cause costly injury. You might also injure a UTV passenger, meaning liability protection is essential. Moreover, you might damage property while using a UTV.
From medical costs to property damage and beyond, you need sufficient coverage. Those coverages take the form of property damage liability, bodily injury liability, collision coverage and comprehensive coverage. Comprehensive coverage encompasses incidents not involving collisions, be it fire, vandalism or extreme weather.
Though unlikely, there is a chance your UTV will be totaled in a collision. If such an unfortunate outcome occurs or if someone steals your UTV, you’ll be thankful for GAP coverage. Such coverage pays the difference between the value of the UTV and the amount owed.
AFI Insurance Is on Your Side
Serving the Denver, CO area, AFI Insurance provides affordable and fair coverage. Reach out to us today for a personally tailored insurance quote.
