Things to Know About Side-by-Side Insurance
Side-by-side vehicles, also known as UTVs (Utility Task Vehicles), have grown in popularity for both recreational and work-related purposes. Slemp Brant Saunders Insurance Agency provides side by side insurance in Wytheville, Bristol, VA, Abingdon, Marion, VA, Glade Spring, Chillhowie and surrounding areas.
While they offer fun and functionality, they also come with risks.
These are key things to know about side-by-side insurance:
- Why You Need Insurance
Although not always legally required, having insurance for your SxS provides financial protection against accidents, theft, and damage. Many states require liability coverage if you plan to ride on public lands, roads, or trails.
- Types of Coverage
Liability Insurance – Covers bodily injury and property damage to others if you’re at fault in an accident.
Collision Coverage – Pays for damages to your SxS from collisions, regardless of fault.
Comprehensive Coverage – Protects against theft, vandalism, fire, weather damage, and other non-collision events.
Uninsured/Underinsured Motorist Coverage – Helps cover costs if another driver is at fault but lacks adequate insurance.
Medical Payments (MedPay) – Covers medical expenses for you and passengers regardless of fault.
- Cost Factors
Premiums vary based on factors like vehicle value, usage, location, rider history, and chosen coverage limits. Adding safety features or bundling with other policies may lower costs.
- Where Coverage Applies
Policies may have restrictions on where you can ride, such as private property, public roads, or designated trails. Always check your policy details.
- Additional Coverage Options
Some insurers offer coverage for accessories (winches, roll cages, custom parts), roadside assistance, and rental reimbursement.
- Choosing the Right Policy
Compare quotes from different insurers, review coverage limits, and ensure the policy meets your needs for both recreational and work-related use.
Having the right side-by-side insurance ensures peace of mind, financial security, and compliance with local regulations. Always read the fine print and choose a policy that fits your riding habits. Please reach out with any questions you might have, and we will be happy to help.