Snowmobile, Golf Cart & ATV Insurance Coverage
Your coverage can vary depending on the type of recreation vehicle you own, as well as your state of residence. That’s why The Hartford’s insurance specialists are highly trained in guiding people toward all their available coverage options.
Not all coverages are available in all states.
Bodily Injury Liability
Protects you against financial loss when you are held legally responsible for a recreation vehicle accident causing injury or death to someone else. This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
Property Damage
Covers you against financial loss if you are found liable for damage to other people’s property caused by your recreation vehicle.
Medical Payments
Pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an accident with your recreation vehicle. These may include expenses for medical care, recovery, rehabilitation and remedial care, as outlined in your policy.
Uninsured/Underinsured Bodily Injury
Pays benefits for bodily injury or death of you (and any passengers) if you are struck by:
- a recreation vehicle driver who doesn’t have insurance,
- a recreation vehicle driver who has some insurance but not enough to cover the losses that result from the accident, or
- a “hit and run” recreation vehicle driver that you cannot identify.
Other Than Collision (Comprehensive)
- Pays for damage to your recreation vehicle caused by events such as fire, theft, riot, windstorm and hail. Benefit pays up to the actual cash value, less your deductible.
Collision
Pays for damage to your recreation vehicle caused by collision (contact with a physical object such as another recreation vehicle or structure.) Benefit pays up to the actual cash value, less your deductible.
Towing and Labor
Pays up to the selected limit for towing of your recreation vehicle when it is inoperable, whether or not there is an accident involved.
Additional Coverages Available for Recreation Vehicles
- Trailers
- Personal Effects
- Customized Equipment
