Does Car Insurance Cover Off-Roading?

Nevada Insurance Enrollment Answers Does Your Auto Insurance Cover Your Off-Road Trip?
LAS VEGAS - May 30, 2024 - PRLog -- 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.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers
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Location:Las Vegas - Nevada - United States
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