Why Insuring Your Side-by-Side is a Smart Move

Side-by-sides, also known as UTVs (Utility Task Vehicles), are a blast to ride and incredibly useful for various activities. Whether you’re using yours for off-road adventures, farm work, or just cruising around, having a side-by-side is a great way to enjoy the outdoors. But just like cars and boats, side-by-sides need insurance too. In this blog post, we’ll talk about why it’s important to insure your side-by-side and what kind of coverage you should consider.

1. Protecting Your Investment

Side-by-sides are not cheap. They can cost anywhere from a few thousand dollars to over $20,000, depending on the make, model, and accessories. If your side-by-side gets damaged or stolen, insurance can help cover the cost of repairs or replacement. Without insurance, you could be left paying a lot of money out of your own pocket.

2. Liability Coverage

Accidents can happen anytime, especially when you’re off-roading. If you accidentally injure someone or damage someone’s property while riding your side-by-side, you could be held responsible for their medical bills or repair costs. Liability coverage helps protect you by paying for these expenses so you don’t have to.

3. Collision Coverage

If you crash your side-by-side into something—like a tree, a fence, or another vehicle—collision coverage helps pay for the damage to your own vehicle. This is really important because repairs can be expensive, and having this coverage means you can get your side-by-side fixed without a huge bill.

4. Comprehensive Coverage

Comprehensive coverage protects your side-by-side from things other than collisions. This includes theft, vandalism, fire, and natural disasters. If your side-by-side is stolen or damaged by something other than a crash, comprehensive coverage will help cover the cost.

5. Uninsured/Underinsured Motorist Coverage

Not everyone has insurance, and if you get into an accident with someone who doesn’t have insurance or doesn’t have enough, this coverage helps pay for the damages and medical bills. It’s a good way to make sure you’re protected no matter what.

6. Medical Payments Coverage

If you or your passengers get hurt while riding, medical payments coverage helps pay for the medical bills. This can be really helpful because accidents can lead to expensive medical care, and this coverage helps reduce the financial burden.

7. Accessory Coverage

Many side-by-sides come with or are outfitted with cool accessories like custom tires, winches, roll cages, and more. Accessory coverage helps protect these extras, ensuring that if they’re damaged or stolen, you can get them repaired or replaced.

8. Off-Road and On-Road Coverage

Some side-by-sides are street-legal, while others are strictly for off-road use. Make sure your insurance policy covers you wherever you ride. If you take your side-by-side on public roads, you’ll need insurance that complies with your state’s requirements for on-road vehicles.

9. Peace of Mind

The best part about having insurance for your side-by-side is the peace of mind it gives you. Knowing that you’re protected if something goes wrong means you can enjoy your rides without constantly worrying about what might happen. You can focus on having fun and making the most of your side-by-side adventures.


Insuring your side-by-side is a smart move that can save you a lot of money and stress in the long run. It protects your investment, covers you in case of accidents, and ensures that you and your passengers are safe. Whether you’re using your side-by-side for work or play, having the right insurance coverage is essential. Don’t hit the trails without it—make sure you’re covered and ready for anything that comes your way!

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