Do I need to insure my offroad vehicles?

Yes, it’s generally a good idea to insure your off-road vehicles, though it may not be legally required everywhere. The type of insurance you need depends on a few factors:

1. Legal requirements: In some areas, you may be required to have at least liability insurance for off-road vehicles (like dirt bikes or ATVs), especially if you ride on public land or in certain off-road parks. Check with your local DMV or relevant authority to see what’s required.

2. Personal protection: Even if it’s not legally required, having insurance can help cover damages or injuries that happen while using the vehicle. Off-road accidents can result in costly repairs or medical expenses.

3. Liability coverage: If you ride on private property or public areas, liability insurance protects you in case you damage someone else’s property or cause an injury.

4. Comprehensive and collision insurance: These can cover damages to your vehicle in case of an accident or theft, though you may not need these types of coverage if you only ride occasionally and the vehicle is mostly for recreational use.

In short, even if it’s not mandatory, having insurance for your off-road vehicles can provide peace of mind. Would you be using them on public land, or mostly off-road on private property?  If you have any questions about insuring your offroad vehicles contact us at (425)212-3505