Different types of vehicles need different types of insurance. If you own a dirt bike, you may have to get it registered, depending on the state. In some states, dirt bikes are considered as utility vehicles that don’t require registration. Here’s a look at what you should know about getting dirt bike insurance in Fresno.
When Insurance Is Needed?
In California, dirt bikes that are also used on the street must be insured. Getting the right dirt bike insurance in Fresno comes down to following state requirements and assessing your coverage needs. The state requires liability coverage for bodily injury and property damage.
Since off-road vehicles can be dangerous, you can expect higher insurance rates for off-road vehicles rather than highway vehicles. Be aware of what’s covered in your homeowners or renters insurance, then go from there to customize your dirt bike coverage. You should discuss how you use your dirt bike with your insurance agent to make sure you’re carrying appropriate coverage.
There are various factors that determine your dirt bike insurance rates, similar to a regular vehicle. Where you live, how often you ride, your age, and your driving record are all influential factors.
Types of Coverage
- Bodily Injury –
Like with auto coverage, bodily injury is part of liability coverage. It pays for victims who are injured in an accident you cause. It covers hospital visits, medicine, and treatment. This coverage is for other people and doesn’t cover injuries you suffer. Coverage limits are stated in the policy.
- Property Damage –
If you damage someone else’s property with your dirt bike, this coverage will pay to repair it. However, it doesn’t cover damage that happens to your dirt bike. Your insurer can direct you toward add-on options.
- Medical Payments –
This optional coverage pays for your medical bills if you suffer injuries in an accident and require hospitalization. It also covers your passenger at the time of the accident. This coverage gives you peace of mind that you won’t get financially wiped out by an accident.
- Collision and Comprehensive –
This coverage pays for repairs after your dirt bike has struck an object. It also provides benefits if your dirt bike is stolen or is destroyed in a natural disaster such as a fire.
- Uninsured Motorist –
This optional coverage is useful to ensure that you’ll be covered no matter what if you are involved in an accident. Even if the other driver is at fault and uninsured, you can use this coverage to pay for losses.
- Customization –
If you add customized features to your dirt bike, it’s important to report them to your insurer to make sure the new items are covered. A standard insurance plan alone likely won’t cover your added features.
- Motocross –
If you use your dirt bike for racing purposes, you should consider additional specialty insurance, although it’s not required. It’s a good idea to carry this coverage since racing accidents probably won’t be covered by your standard plan.
Make sure you’ve purchased sufficient dirt bike insurance as required by the state. Depending on how you ride, it helps to extend your coverage with special add-ons. Call our experts at McCarty Insurance Agency to learn more about the right insurance coverage plan for your dirt bike.