Does Car Insurance Cover Off-Roading?

If you enjoy off-roading, it is important to ensure that your auto insurance provides the right type of coverage. Understanding your policy can help you make informed decisions and save money in the event of an off-road accident.

When Does Auto Insurance Cover Off-Roading?

Every auto insurance policy is unique, so before taking a certain coverage for granted, it is a good idea to review your policy with a licensed auto insurance agent. However, most auto insurance policies cover incidents that occur off-road if that incident could have occurred when you were driving on a paved road. For example, if you are off-roading and you crash into another vehicle, your policy may pay for damages since this collision could have occurred on a paved road.

Assuming the damage your vehicle incurs could have happened on a paved surface, your auto insurance coverage likely pays for property damage, damage that did not result from collision from another vehicle (such as body damage or broken parts) and damage to your vehicle if you accidentally hit another car. It also pays for damages you cause to another person or their property.

What Does Auto Insurance Not Cover?

If your vehicle incurs damage off-roading that would not have occurred on a paved road, you will most likely be responsible for paying for damages out of pocket. For example, if you are descending a steep trail and your vehicle loses traction and crashes at the bottom, or if you run into a tree trunk, your auto insurance policy is unlikely to pay for damages.​

Do I Need Off-Road Vehicle Insurance?

Your standard auto insurance policy may not provide the comprehensive coverage you need for your off-road trip, but fortunately, off-road vehicle insurance may be available. This is special coverage you can add to your existing policy.

On average, off-road insurance costs between $100 to $350 per year, which breaks down to $8 to $12 per month, making it an affordable add-on that makes sense if you routinely drive on non-asphalt terrains.

Before signing up for a policy, it is important to understand its coverage and limitations. For example, not all policies cover customizations and after-market upgrades you have made to your vehicle. This auto insurance add-on also does not cover normal wear and tear such as rust and worn leather or upholstery. It is also unlikely to cover mechanical failure, such as engine failure, and it will not cover illegal activities you were participating in when your vehicle was damaged, such as unsanctioned racing.​

Finding the Best Auto Insurance for Off-Roading with Nevada Insurance Enrollment

Your auto insurance policy should fit your budget and your lifestyle but finding the right policy for your needs can be a challenge. At Nevada Insurance Enrollment, professional auto insurance agents help you review your needs, talk about how you use your vehicle and match you with the best coverage for you.