Off Road Vehicle Insurance
There’s no shortage of ways to get outside in Atlanta.
Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether
your insurance policy has you protected.
Berger & O'Neal Insurance can help you get the specialized coverage you need for your
specialized vehicles. We can help you protect your investment and let you get focus on having fun.
Are your off-road toys covered?
Contact our team today to talk about:
- ATV (All-terrain vehicle) insurance
- Dirt bike insurance
- Dune buggy insurance
- Golf cart insurance
- Snowmobile insurance
- Any other motorsports insurance
Do You Need Insurance for Your Off-Road Vehicle?
Most specialized vehicles aren’t covered under your standard auto or
home insurance policy, especially when you aren’t on your
own property. What’s more, many national, state, or other public parks require specialty
vehicle riders to be properly insured.
Keeping Insurance Costs Low
Several factors can affect the cost of insuring a specialty vehicle.
So how can you keep your rates low?
- Be safe - If you have violations on your driving record or
claims on your insurance policy, your rates will likely be higher.
- Choose your vehicle carefully - Some models of ATVs, snowmobiles,
dirt bikes or other off-road vehicles are considered more aggressive machines,
and typically cost more to insure.
- Own and Insure More Than One - With many carriers you can receive a discount
if you insure more than one specialty vehicle on your policy.
Good Coverage. Great Times
Every specialty vehicle policy is unique, but the following is a quick rundown
of the some of the options included in most ATV, snowmobile, dirt bike, golf cart,
and other off-road vehicle insurance policies:
- Collision coverage pays for covered
damage to your vehicle when in a collision with another vehicle or other object.
- Property damage liability coverage insures you against certain
damages caused to another person’s property while operating your vehicle. This
coverage may also provide you with a legal defense for such claims if another
party files a lawsuit against you.
- Bodily injury liability coverage insures you against certain damages
if you injure or kill someone while operating your vehicle. This coverage also may
provide you with a legal defense if another party in the accident files a lawsuit
- Comprehensive physical damage coverage pays for covered losses
resulting from incidents other than collision - like fire, theft, or vandalism.
Let us help make sure you’re covered when you hit the trail. Talk to us today
to find out how to get the best price and value on the Atlanta
motorsports insurance that’s right for you.