Off-Road Vehicle Insurance in Arizona
In society today, you can be sued for absolutely anything, even if it's not your fault. The unfortunate part is that lawsuits can be pretty expensive, especially if you don't have the policy to cover the expenses. Many parents and business owners prefer to buy off-road vehicle insurance in Arizona to add an extra layer of liability coverage. If you feel that your home and auto liability coverages are not enough to cover your liability risks at your Peoria, AZ home or business, Wishwell Insurance Brokers recommends buying personal or business off-road vehicle insurance.
What is off-road vehicle insurance?
Off-Road Vehicle insurance or extra liability insurance is a type of liability policy designed to protect the existing limits in standard policies like home, boat, auto, or motorcycle. The coverage offers protection when you're held liable for bodily injuries, property damage, lawsuits, and other personal liability situations.
How does it work
Off-Road Vehicle is a unique policy. That means it works differently from other policies, as it is only used when the limits of your primary policies are reached. It also protects claims that may be excluded in other liability claims like false arrest, detention and imprisonment, and slander and libel. Note that you will need business off-road vehicle insurance to protect your business, as personal off-road vehicle insurance does not cover business claims.
Who needs off-road vehicle insurance?
Many people in Arizona think they don't need off-road vehicle insurance as they assume it's an extension of their primary policies. The truth is that lawsuits are expensive, and your auto insurance may not always be adequate to cover property damage, injuries, and legal fees if the person decides to sue you. You need the policy even more if you are a property owner, a single parent, parent to minor children, an elderly parent with wealth, landlord, or frequently hold parties in your home.
Need help purchasing off-road vehicle insurance in Peoria, AZ? Reach out to Wishwell Insurance Brokers, and we will be happy to take you through the process. We're just a call away.