Open desert on the doorstep means a lot of Buckeye households own something recreational. Most umbrellas do not automatically extend to them, and the ones that do want the vehicle named.
An ATV, a side-by-side or a dirt bike is usually excluded unless it is specifically scheduled and separately insured underneath.
Three things about the vehicles that do not live on the road.
Umbrella policies list what they sit above. An ATV or side-by-side that is not named, and does not carry its own underlying liability policy, is frequently outside the umbrella entirely. Owners assume broad personal cover follows them onto the desert and it generally does not.
Most off-road injuries involve a passenger rather than a third party, often a friend or a child of a friend. That is a liability claim against the household with the vehicle, and it is exactly the size of claim an umbrella exists for.
An umbrella requires a qualifying policy beneath it for each exposure. For off-road vehicles that means an actual recreational vehicle policy, not an assumption that the homeowners form covers it once the vehicle leaves the property.
An inventory of what the household rides as well as what it drives.
Each one needs naming, and each needs qualifying cover underneath the umbrella.
Guests, and particularly other people’s children, are where these claims come from.
A recreational vehicle policy with limits the umbrella accepts, not a hope.
List everything the household owns with an engine, including the ones that never see a road.
We schedule the recreational vehicles rather than assuming they are included.
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