blank 10/10/14 01:40PM Insurance, Offroad, ORV, Safety

Fall Brings Great Opportunity To Get Outdoors In An Off-Road Vehicle
Fall is an exciting time of year to get deep into the great outdoors with an off-road vehicle (ORV).


Fall is an exciting time of year to get deep into the great outdoors with an off-road vehicle (ORV). Hunting season is getting underway in many parts of the country and a side by side ORV is one of the most popular machines to help hunters carry gear and supplies to their favorite spot. A side by side can also be used to enjoy trail riding with your sweetheart to see the changing colors of the leaves.

Offroad Vehicle

Side by side ORVs have a variety of options to make them multi-use machines and can be accessorized to fit the owner's lifestyle or demanding work needs. It can be customized by adding a mowing deck to cut grass, haul hay around a farm, or add a plow on the front to move snow in the winter months ahead.

As sophisticated as some side by side ORVs can get with accessories such as lights and racks there is a need to protect this investment by insuring them with an ORV policy. "Theft and comprehensive claims are the most common," said Jeff Sadler, Allstate product line manager.  "It's important that riders not rely on their homeowners and/or auto insurance policies to protect an ORV in a loss since those insurance policies often provide little, if any, supplemental coverage for your recreational vehicle."

Allstate ORV insurance can help protect you, your passengers, your vehicle, and even someone else's property. Here's how:

Bodily Injury Liability: Protects you if you cause an accident and someone is hurt, typically covering the other person's medical expenses.
Property Damage Liability: Protects you if you're at fault in an accident causing damage to another person's property. Insurance coverage typically pays for expenses to damaged property such as vehicles, homes, and buildings.
Collision Coverage: Reimburses the cost of repairing your ORV after damage due to a collision with another object (such as another ORV, tree, or fence).
Comprehensive Coverage: Protects from damages to your ORV due to almost any event: flooding, wind, vandalism, theft, or other reason not involving a crash with another vehicle.
Allstate ORV insurance can even provide coverage while your vehicle is in storage or needs a tow. If you have custom parts, you can get coverage to protect them from things like theft or damage.
Allstate ORV insurance covers a variety of off-road vehicles that include:

Side by side
All-terrain vehicle (ATV)
Golf cart
Utility vehicle (UTV)
Go cart
Trail bike
Dune buggy
More information on ORV use and safety can be found by contacting your local Department of Natural Resources (DNR) office or visiting your state DNR's website.

The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer, protecting approximately 16 million households from life's uncertainties through its Allstate, Encompass, Esurance and Answer Financial brand names and Allstate Financial business segment. Allstate is widely known through the slogan "You're In Good Hands With AllstateŽ." The Allstate brand's network of small businesses offers auto, home, life and retirement products and services to customers in the United States and Canada. In 2013, The Allstate Foundation, Allstate, its employees and agency owners gave $29 million to support local communities. Allstate employees and agency owners donated 200,000 hours of service across the country.
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