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Off-Road Vehicle Insurance Recommendations in California

The state of California is home to hundreds of thousands of off-road vehicles. Throughout the state, vehicle owners use their off-road machines, including ATVs, dune buggies, and dedicated four wheel-drive vehicles for work and recreation. To protect the investment represented by off-road vehicles, referred to as off-highway vehicles or OHVs in California, it is a great idea to obtain insurance for them. In some cases, off-road vehicle insurance is required by California state laws. Get the insurance you need and the coverage features you desire to protect your vehicle with the help of All County Insurance.

Off-Highway Vehicles: The Basics

In California, a class of vehicles called off-highway vehicles – OHVs – encompasses a broad range of vehicle types, including those with two, three, or four wheels. They may even include vehicles that don’t have wheels at all!

OHVs include vehicles like:

  • Four-wheelers
  • All-Terrain Vehicles (ATVs) with three or four wheels
  • Off-road motorcycles (dirt bikes)
  • Snowmobiles
  • Golf Carts
  • Dune Buggies
  • Go Karts
  • 4-Wheel Drive Vehicles (SUV and pickup configurations)

The key characteristic of OHVs is the manner in which they are driven, specifically where they are driven. In general terms, OHVs are used offroad, such as on trails, forest land, or desert sand dunes. Some of the vehicles listed above may be operated on- or off-road; 4×4 and 4-wheel drive trucks may be driven on highways and surface streets in addition to offroad recreation areas or public/private lands.

If an OHV is operated on public roadways and public lands in the state of California, that vehicle must be covered by a minimum liability insurance policy. If the OHV is only operated on private property, that vehicle is not required to have insurance coverage.

Off-Road Vehicle Insurance

Off-road vehicles and OHVs are a lot of fun. They can also represent a significant investment on the part of the vehicle owner. Specialized or custom off-roaders may cost upwards of $30,000. Considering costs alone, it makes sense for vehicle owners to get off-road vehicle insurance even if it may not be required by state law. Add in the possibility of an unexpected incident that results in the damage or loss of the vehicle, an injury, or significant property damage, and insurance makes even more sense.

An off-road vehicle policy typically provides three forms of coverage:

  • Liability coverage
  • Medical payments coverage
  • Physical damage/property damage coverage

An insurance agent will help you determine which of these coverages you need and the options you desire to protect your investment. Insurance policies are based on the typical usage of the vehicle, its features, and where the vehicle will be operated. All County Insurance has helped off-road vehicle owners throughout the state of California protect their investments with comprehensive insurance policies designed to fit specific needs and budgets. With insurance, you can operate your OHV with peace of mind, knowing that your investment is protected against foreseen and unexpected risks alike.