Getting there is part of the fun of hunting, fishing, hiking, and camping. That means driving off the road. At Outdoor Insurance Services, serving Houston, TX, and all of Texas, we remind our clients that ordinary coverage for their car, truck, or RV doesn’t protect them when they are off the public roads.

You will also need off-road coverage if you drive:

• An all-terrain vehicle (ATV)
• Dune buggy
• Golf cart
• Snowmobile (Ask us about out-of-state coverage)
• Minibike
• Trail bike
• Camping trailer

You should also consider off-road coverage if you drive a Jeep Wrangler, Toyota Land Cruiser, or pickup. Just because a vehicle can be driven off-road doesn’t mean it should, but if you plan to drive off-road at all, you’ll need additional accident coverage, or you risk paying for repairs out of pocket.

You can get collision, comprehensive, bodily injury, and liability riders for driving your vehicle off the road. If you hit a rock, a tree, a moose, or a deer, or slide into a lake, your collision and comprehensive coverage will kick in. You aren’t likely to hit another vehicle, but you can have liability coverage if you do. You’ll be covered for wind, hail, wild animals, and theft.

Your policy won’t cover ordinary wear and tear, losses incurred during illegal activities, or unauthorized alterations to your vehicle. It also won’t cover crashes due to mechanical failure.

If you plan to use your vehicle anywhere not designed for ordinary safe driving, see us at Outdoor Insurance Services in The Woodlands for coverage for your vehicle domiciled in Houston, TX, or anywhere in Texas. We can help you find the insurance company you need for the coverage you need to address your specific situation. Give us a call today!