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If you own a side-by-side or UTV, you know these machines are built for fun. At Linda Dugan Insurance in Astoria, OR, we help recreational vehicle and toy owners get the right coverage so they can enjoy the trails without worrying about what comes next.
Why Your Auto Policy Does Not Cover Your UTV
Many riders assume their regular auto insurance extends to their side-by-side. It usually doesn’t. UTVs and off-road vehicles fall into a separate category and require their own policy. Without one, an accident, theft, or damage could cost you significantly. These machines are expensive, and the cost of repairing or replacing one adds up faster than most people expect.
What UTV Coverage Typically Includes
A solid recreational vehicle policy covers more than most people realize. Liability protection is standard and helps cover injuries or property damage you cause while riding. You can usually add comprehensive and collision coverage for fire, theft, rollovers, and physical damage. Many plans also let you insure custom parts and aftermarket upgrades, which is a smart move if you’ve invested in your machine.
How You Ride Affects What You Need
Where and how you use your UTV plays a role in choosing the right coverage. Private land, public trails, and road-legal routes all carry different risks. Working with an agent who understands off-road vehicles helps ensure your policy actually fits the way you ride.
Your side-by-side deserves solid protection. Reach out to Linda Dugan Insurance in Astoria, OR, and find the right toy insurance policy for the way you like to ride.
