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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

What Kind of Insurance Covers My Off Road Vehicles?

You take you dune buggy out on back trails of Muskegon, MI, and suddenly slide straight into an embankment. Although only your pride is injured, your bike needs new fiberglass fenders. This is covered in your recreational vehicle insurance, and your agent at Janis-Shunta Insurance can tell you how to file a claim.

Recreation Insurance Coverage

Recreational insurance includes collision coverage to help you repair damage to your vehicle — even if you hit the side of a mountain. It covers skid plates, helmets, and other accessories.

Recreational insurance applies to off-road vehicles, including:

  • Dirt bikes
  • Snowmobiles
  • Golf carts
  • ATVs
  • Dune buggies

Understanding Your Recreational Insurance

Recreational insurance has many of the same coverage types as your car insurance, such as collision, liability, medical, and uninsured motorists.

Collision coverage pays for repairs on your vehicle, as discussed. If you cause an accident, liability insurance covers property damage and bodily injury sustained due to the accident.

Comprehensive coverage can pay for covered perils such as vandalism, theft, fire, hail, or animals. For example, if you’re snowmobile is stolen from your shed, comprehensive coverage pays to replace it if it’s not recovered.

If you’re riding your ATV, a large rock or roots can throw you off, leaving you with a dislocated shoulder or worse. Your recreational insurance covers the medical bills if you’re hurt in a covered accident. An uninsured driver hits your golf cart, but don’t panic. Your recreational insurance includes uninsured motorist coverage and pays for your damages or injuries.

Contact Us

Contact Janis-Shunta Insurance with any questions you may have on recreational insurance. We want you to spend your time enjoying the trails and tracks in Muskegon, MI, not worrying about your coverage.