Does Auto Insurance Cover Off Road Accidents?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    There isn’t anything in the standard policy that limits coverage to roadways.  You may find that your insurance company will be reluctant to renew coverage if your are driving your car on boulders to demonstrate that you can do it.  I suppose the same could be said if your are jumping your car from ramp to ramp over a line of buses.
    Answered on May 19, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    As long as you have coverage in your auto policy for physical damage to your car (Comprehensive and Collision) and Liability, should anything happen that is a covered loss whether on a public access road or highway or "off road" as you suggest, then your personal auto policy will provide protection. All of the terms and conditions in the policy would apply including a deductible for damage settlement to your car so it is important to talk to your Insurance Professional about these in order to maintain a solid understanding of the protection that your policy provides to you and your family.
    Answered on September 25, 2015
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