Power Sports Insurance

Okeechobee Power Sports Insurance


In your leisure time, do you enjoy off-roading on side by sides and four wheelers? Or maybe you ride a motorcycle and aren't sure if you carry enough insurance on yourself and for others? If so, allow Lake Okeechobee Insurance to provide you with an accurate quote customized to fit your power sport needs. At LOI (Lake Okeechobee Insurance) we specialize in recreational vehicles of all kinds including mopeds, dirt bikes, motorcycles, golf carts, side by sides, All Terrain Vehicles (ATVs), and other off road vehicles. You may be wondering why you should carry insurance on these types of power sport vehicles that aren't driven on a daily basis. The answer is, you never know what could happen, accidents aren't planned and some of the bills that arise could leave you and your family in a financial bind and vulnerable to possible lawsuits.

Dave and Kimberly M., long time auto customers of LOI are a prime example as a great group of people enjoying the outdoors and the unthinkable happened. Back in 2004, when Okeechobee was hit back-to-back with hurricanes leaving the ground awful wet and mudding for a while. Well, one weekend Dave, Kim and their 15 year old son Mark decided to seize the moment taking their side by side and two four wheelers out to a wooded area not far from home. Mark was stoked to be kickin' up mud and feeling the wind hit his face. Mark yelled to his father Dave to watch how good he is at doing stunts on his quad runner and began doing donuts with the speed of light! Before Mark knew it, he had lost control of his ATV, flipping it three times before landing on all four wheels again running straight into the next door neighbor's shed. Ryan S. - the next door neighbor was a big handy man who kept all his tools, lawn mowers, and a classic car project all located in his shed... Unfortunately some of Ryan's property was damaged by Dave and Kim's power sport, their son Mark had to be checked out at the local hospital, and the ATV needed repairs. Think about the cost associated with replacing power tools, medical bills, and still having to fix the four -wheeler that was the center of the accident. Had Dave and Kimberly M. purchased a policy, the amount out of pocket for this freak accident would have been minute compared to the $32k billed to them for property damage and medical bills. Do you have an emergency fund stashed away for incidents like what happened to Mark's parents? If not, and you would like to continue living life on the edge with power sports, let LOI customize a policy, fit just for you so you're not bombarded in the event of a claim.

What Kind of coverage is Available for my Motorcycle or Off-Road vehicle?

Policies can range in coverage based on the client's specific needs. Some clients may want all the coverage possible and some may only want a liability policy to assist with costs for others involved in the accident. LOI represents specialty insurance companies that offer coverage as follows:

  • Bodily Injury: Coverage for the other party's medical care if you were at fault in the accident up to set limits purchased by the policyholder.
  • Property Damage: Covers the other party's property if you were at fault in an accident; Ex: Ryan's damaged shed from the life story above.
  • Medical Payments: Medical coverage for yourself and passengers regardless of who is at fault.
  • UM coverage: Additional Medical coverage for yourself
  • Comprehensive and Collision: Coverage for your power sport or off-road vehicle.
  • Roadside and Trip Interruption: Option coverage; assists you when broken down while on a trip specifically taken to trailer use your power sport.
  • Disappearing Deductibles: Optional coverage; happens overtime when no claims have been reported in a certain period set by the company.

Also offered to power sport policy holders is coverage for the transport trailer if you are the owner! How much sweeter could it get! You can now ride your dirt bike, motorcycle, ranger, or quad runner without worry of what could be. Allow Lake Okeechobee Insurance to serve you by issuing a policy to cover you when you are out enjoying Mother Nature on your power sports!

Call Toll Free 1-877-752-6029, fill out our quote form, or stop by one of our office located conveniently in Sebring and Okeechobee for a more personal encounter regarding your power sport insurance.