UTV Insurance from Massachusetts Specialists

What is UTV insurance?

The terrain that utility terrain vehicles are taken over presents many challenges and risks, and there are still other risks when side by sides are parked in storage. Massachusetts riders need to know how to take on the challenges of the terrain. They also can make sure their side by sides are protected from other risks with UTV insurance.

UTV insurance offers tailored coverage for side by sides and other UTVs. Policies normally can help protect a side by side, the rider, and passenger and others.

Who needs side by side insurance in Massachusetts?

Although side by side insurance isn’t required by Massachusetts law, most UTV owners in the state should consider it. Not carrying insurance carries significant risks.

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What coverages does side by side insurance offer?

Depending on a rider’s particular needs, side by side insurance might offer several important protections:

• Collision Coverage: Might cover damages from accidents involving another UTV, ATV or other vehicle.
• Comprehensive Coverage: Might cover damages from non-collision incidents, like hitting a tree, hitting a deer, or theft.
• Liability Coverage: Might cover third-party injuries or property damage from accidents that are caused by the insured rider.
• Medical Cost Coverage: Might cover the medical expenses for injuries that occur while operating the UTV.
• Uninsured and Underinsured Motorist Coverage: Might cover accidents with other UTV or ATV riders that aren’t properly insured.

A specialized insurance agent can assist with selecting the right coverages for a rider’s side by side.

Are accessories and aftermarket upgrades covered by side by side insurance?

Side by side insurance usually can cover accessories and aftermarket upgrades, but the two are frequently treated as different categories. Accessories normally include things like a helmet, other safety gear and bags. Aftermarket upgrades are normally modifications made to the UTV itself.

While coverage is readily available, not all policies provide the same protection for these categories. Riders should work with an insurance agent who knows side by side policies well, so they can make sure their accessories and any upgrades are properly insured.

How much does it cost to insure a side by side?

The cost of insuring a side by side depends on many factors, and therefore premiums vary from one UTV to the next. Some of the details that insurance companies frequently look at are the:

• Age of the UTV
• Year, make and model of the UTV
• Value of the UTV
• Storage location for the UTV
• Primary use area for the UTV
• Accident and claims history of the owner

An independent insurance agent can help riders check how much insurance for their side by side will be. Independent agents are able to request quotes from multiple insurance companies, making it easy to check coverages and rates.