Off-road vehicles are popular in Southwest Florida since the weather is almost always nice. Golf carts are especially common in Florida’s retirement communities, because they make it easy to get to and from friend’s houses, lounges, and recreational areas within the community. However, off-road vehicles are often the target of theft and they can become easily damaged in an accident or by a natural disaster like a hurricane.
Traditional auto insurance doesn’t cover off-road vehicles like all-terrain vehicles (ATVs), 4-wheelers, dune buggies, and golf carts. It’s not required to have insurance coverage on your off-road vehicles, however, purchasing an insurance policy is something you should seriously consider. Here’s what you need to know about off-road vehicle insurance.
This type of coverage pays for damages caused by an accident that injures or kills someone when you are found at fault. If the person or persons injured file a lawsuit against you, this coverage should also provide for your legal defense.
Property damage coverage pays for any property that you damage in an off-road vehicle accident as an at-fault operator. It should also cover your legal defense expenses should the individual whose property you damaged files a lawsuit against you for compensation.
For example, if you lose control of your golf cart on the course and run over another player’s golf bag, damaging the clubs inside, the player can file a claim against your golf cart insurance policy for the cost of repairing or replacing the clubs.
Medical payments protection affords coverage for you and your passengers if you are hurt in an ATV, 4-wheeler, dune buggy, or golf cart accident no matter who is at fault for the collision. It pays for medical expenses like hospital bills, doctor visits, medications, surgery, medical devices, and other healthcare costs directly associated with a covered accident.
If you only have bodily injury liability coverage and cause an off-road vehicle accident that injures you and the other operator, your insurance will pay for the medical expenses of the other party but not for your medical expenses. Add medical payments protection to ensure that if you file a claim that the medical bills of you and your passengers will be covered whether you’re at fault or not.
Collision coverage is additional insurance that pays for damage to your off-road vehicle when involved in a collision. The accident can involve another vehicle, or it may simply be another object like a mailbox or tree.
Typically, a deductible of $500 or $1,000 is required. The lower the deductible, the higher your monthly payments and the lower your out-of-pocket cost if you need to file a claim. A higher deductible makes your monthly payments more affordable but requires you to have more cash up-front in the event of a collision.
Comprehensive coverage pays for physical damage to your off-road vehicle by any means that can’t be classified as a collision. Damage caused by fire, theft, vandalism, and natural disasters fall into this category. The coverage is limited to only damage that prevents the off-road vehicle from being operated safely (not cosmetic damage) and typically the deductible is $500 or $1,000.
Since off-road vehicle insurance isn’t mandatory in Southwest Florida, many operators don’t carry it. This means that if your property is damaged or you are injured in an accident caused by another operator and they don’t have insurance, you will only be covered by your medical payments and comprehensive coverage if you have it.
If you don’t, you will absorb the cost of repairs and medical treatment. The same goes for underinsured operators – if the damage to your property and/or your injuries exceed the limits of their policy, you are responsible for the difference without medical payments and comprehensive coverage.
However, by electing to purchase uninsured/underinsured motorist protection, you can protect yourself from ATV, dune buggy, golf cart, and 4-wheeler operators who don’t carry insurance on their off-road vehicles. Carry it with basic liability coverage, or carry it in addition to comprehensive, collision, and medical payments coverage for the most protection in the event of an accident.
If you’ve customized your off-road vehicle or have added accessories or equipment, this type of coverage will provide protection for your golf cart, dune buggy, ATV, or 4-wheeler’s bells and whistles.
The Culbertson Agency offers off-road vehicle insurance coverage for residents of Southwest Florida. We are proud to provide our customers with great service, affordable monthly premiums, flexible payment options, 24-hour access to a licensed insurance professional, and secure account management and easy payments online. We love tailor fitting insurance plans to meet the unique needs of Southwest Florida families.
Call us today for more information about how to purchase ATV, 4-wheeler, dune buggy, or golf cart insurance coverage at (239) 210-7710 (Naples) or (239)-210-7700 (Fort Myers). Serving the Fort Myers, Naples, Cape Coral, and Marco Island areas.
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