Utility terrain vehicles are small, four-wheeled vehicles capable of driving off-road. People also refer to UTVs by the following names:
- Recreational off-highway vehicles
- Multipurpose off-highway utility vehicles
UTVs carry two to six people in an open or closed cab. Some are designed for recreational use and can reach speeds of up to 80 miles per hour. Others only reach 50 mph and are designed for tasks such as transporting equipment or people to places a normal vehicle cannot go. Hunting, farming, and transporting sports players are popular uses.
Types of UTV Insurance
The experts at Byrnes Agency Insurance explain that the following types of UTV coverage are available:
- Comprehensive: Pays for damages that result from a UTV being stolen, vandalized, or damaged in a fire.
- Collision: Covers the cost of repairs in the case that you collide with an object, including another UTV.
- Bodily injury liability: Compensates people inured by your UTV.
- Property damage liability: Reimburses for loss or damage of other people’s property in a UTV accident.
- Uninsured/underinsured motorists: Protects you against having to pay repair costs and hospital bills in case you are hit by someone without insurance.
If you drive a UTV, the type of coverage you have is extremely important. You need insurance to protect your investment, even off-road.