Truck owners in Spartanburg, SC may love going off-road during the spring and fall, when the mud is thick and they can really throw it wide. However, these individuals may worry about what happens when they crash. Will a policy from Allsurance Group pay for this damage? The answer to this question may not be to all driver’s liking.
Mudding May Negate Your Policy
Here’s something that few people may not realize about their insurance: the moment that they go off-road, their policy is not in effect. Essentially, this kind of driving is considered negligent or dangerous because most vehicles were not designed for it. Insurance is designed to only cover driving that is reasonable and safe.
As a result, any accident that you suffer while off-road may be uninsured and cause serious financial issues. This coverage limitation only applies in situations like mudding, where you purposefully go off-road to ride. Driving on dirt roads isn’t considered off-road because, even though it is primitive, the path is considered drivable.
Off-Road Insurance is Available
However, drivers may be able to add off-road protection to their policy to improve their coverage and avoid serious complications with their truck. This type of coverage typically requires collision protection, bodily injury issues, and property damage.
Make sure to ask your provider for all of these options on your policy. Failure to have these options could cause issues if you crash into somebody, damage their home or vehicle, and injure them at the same time.
Get the Insurance That You Need
So if you love off-road racing and plan on mudding in Spartanburg, SC any time soon, please contact us at Allsurance Group. Our experts will find a plan that works for your needs and work to ensure that your care is insured when you go off-road.