Off-road vehicle insurance will also provide coverage for personal liability if someone is injured while riding on a vehicular recreational device owned by you, as well as medical payments on behalf of the rider who was involved in an accident. Depending on your policy limits, it can also provide emergency transport and repairs to your vehicle while away from home.

In addition to providing coverage for off-road vehicles, off-road vehicle insurance may also provide coverage for rental or loaned vehicles, including all the same benefits as standard policies. It is important to remember that some states require special licensing and registration for off-road vehicles; if you are operating them without proper license and registration, your policy may not provide complete coverage.

When purchasing an off-road vehicle insurance policy, it is essential to understand exactly what type of coverage is provided by each insurer and make sure that it meets your needs. Some insurers offer additional coverages such as uninsured motorist protection, which can protect you if you are in an accident with someone who does not have adequate insurance coverage. Knowing the details of your policy will help you choose the right coverage for you.