Motorsport Insurance Coverage

Protect Your Motorsport Vehicle - Today

There’s no shortage of ways to get outside in Wisconsin. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.

Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property, and many national, state, or other public parks in Wisconsin require specialty vehicle riders to be properly insured.

Diedrich Family Insurance Agency can help you get the specialized coverage you need for your specialized vehicles. We’ll help you protect your investment while you focus on having fun. Contact us to discuss the best coverage for you.

Types of Insurance

Are your off-road toys covered? Here is a list of some motorsport vehicles that you may need insurance for:

• ATV (all-terrain vehicle) insurance
  
• Dirt bike insurance
  
• Dune buggy insurance
  
• Golf cart insurance
  
• Snowmobile insurance
  
• Any other motorsports insurance



Types of Coverage

Every specialty vehicle policy is unique, but the following is a quick rundown of some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

Bodily Injury Liability Coverage

Insures you against certain damages if you injure someone or cause a fatality while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

Property Damage Liability Coverage

Insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Collision Coverage

Pays for covered damage to your vehicle when in a collision with another vehicle or other object.

Comprehensive Physical Damage Coverage

Pays for covered losses resulting from incidents other than collision - like fire, theft, or vandalism.

How to Keep Rates Down

Several factors can affect the cost of insuring a specialty vehicle. So what can you do to keep your rates low?

• Be safe: If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
  
• Choose your vehicle carefully: Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines and typically cost more to insure.
• Own more than one: With many carriers, you can receive a discount if you insure more than one specialty vehicle on your policy.

Let us help make sure you’re covered when you hit the trail - contact us today to find out how to get the best price and value on the motorsports insurance that’s right for you.