Think about the last time you were driving off-road. If you’re anything like me, it was an exhilarating experience that left you with a huge smile on your face! But I know what some of you are thinking: “I don’t need car insurance for my off-road vehicle.” That’s fine if you want to risk it. But before making any rash decisions, let me share 5 reasons why buying insurance for your Off-road vehicle is worth the cost.
1. If something accidentally happens, you will have to pay for it yourself
Accidents happen. Perhaps you were once driving your ATV with an obstructed view from grass and branches, which lead to a collision with a tree. Or maybe there was a momentary lapse of judgement where your four-wheeler ended up in the lake. There are so many things that could go wrong, which is why buying insurance for your off-road vehicle may be a very smart choice. All it takes is one accident to cost you thousands of dollars in damages. If possible, avoid the headache by having car insurance that can help lower your risk of being sued!
2. You have an increased chance of being sued
Off-road vehicles are fun, but they also have the tendency to cause accidents. And if one of these accidents results in injury or death, you could be sued for everything you own. People may assume that it won’t happen to them, but there’s a good chance someone in your town will end up in court at some point with their off-roading accident. If you want to lower your risk of being sued, a good way to do it is by purchasing car insurance for Off-road vehicles.
3. Any accidents or incidents will go on your insurance record
In this litigious society we live in today, an obstructed view from tall grass and branches can end up costing you thousands of dollars. Even if it’s hard to imagine, the accident will go on your insurance record and stay there until you renew your policy. This means that any time you want to purchase new car insurance or renew your existing policy, you may have a harder time getting affordable car insurance due to the negative mark on your record.
4. You could lose your license
Did you know that driving an off-road vehicle without proper insurance is illegal? In many states, if you take your car off the road and drive it as if it were a real car (e.g., drive on public roads), you need to have car insurance! So don’t risk taking out your ATV on the road and getting pulled over by a police officer. If you don’t have car insurance, you risk having your license revoked for a year or more.
5. You may be sued if someone is injured
If you’re using your off-road vehicle to go places, you need to protect yourself against lawsuits! This means you need to have car insurance for your ATV, UTV, or dirt bike. Because you never know what might happen, it’s better to be safe than sorry!
Why do I have to have insurance just because I drive an off-road vehicle?
Just as you must have car insurance if you drive a regular car on the road, the same rule applies for your ATV, UTV, or four-wheeler. If you accidentally injure someone or cause damage to their property, they could sue you. You will need to pay for all damages or injuries that result from the accident, which could get very expensive! The best way to prevent this is by having car insurance so you are not liable for accidents.
What if I don’t have the cash on hand to pay for ATV insurance?
As with anything else in life, there are options if you don’t have enough money to pay for insurance. For instance, you could apply for a credit card that has a low interest rate and can be paid off when you have extra cash. This will allow you to use the card to purchase insurance while paying it off over time so you don’t add more debt to your monthly expenses.
What if I don’t have the cash on hand to pay for ATV or UTV insurance?
This is very common; many people choose not to purchase car insurance because they don’t want to spend their money on it. However, if you want to protect your off-road vehicle from any accidents or incidents,
write some FAQs about Reasons Why You Need Car Insurance for an Off-road Vehicle.
If I don’t want to give my name and address to the insurance company, what should I do?
You can always purchase auto liability insurance without giving your name and address. It’s true that it may be difficult to make a claim if you don’t want to disclose who you are or give out your mailing address, but it is an option! If you choose this route, make sure you find a reputable company and do your research, and you’re guaranteed to get quality insurance at a fair price.
Do I have to give my name and address when buying off-road vehicle insurance?
Yes! When purchasing insurance for your off-road vehicle, you have to give the insurance company your name and address so they can send you a bill. Even though it may not be necessary, giving this information ensures that you will get a bill in the mail should you need to make a claim.
In A Nutshell
We hope you’ve learned some interesting facts about off-road vehicles and the importance of car insurance. If you have any questions or need help finding a plan, feel free to comment below.