Motorsport & ATV Insurance

SZW provides coverage for your ATV, dirt bike, golf cart, snowmobile, and others. Proudly serving Utica and other parts of CNY

Being able to experience all four seasons in New York allows you to spend time outside throughout the year with a plethora of activities to participate in. From hitting the bike trails to snowmobiling through the Tug Hill region to swinging the clubs on the golf course, you’ll never be bored! While enjoying these outdoor adventures, we don’t want you to worry about your insurance policies, and whether or not you’re insured, we have you covered at SZW!  Scalzo, Zogby, & Wittig, Inc. can help you get the specialized coverage you need for your outdoor activities, so you can focus on having fun.

Request a free online quote or call us at 315-792-0000 to get started.

Do You Need Motorsport Insurance?

Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you’re riding on other trails or people’s owned property. Additionally, many public, state, or national parks require riders to be insured if they’re going to be utilizing their trails. This requirement protects those owners from risking the chance of being sued if something were to happen to the rider, that’s why it’s crucial to always ride at your own risk. 

How Much Does Motorsport Coverage Cost?

Several factors can affect the cost of insuring a specialty vehicle, so what can you do to keep your rates low? Find out below:

• Be safe. If you have violations or accidents on your driving record or claims on your insurance policy, your rates will likely be higher.
• Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes, or other off-road vehicles are considered more aggressive machines and typically cost more to insure due to the risks of riding them.
• Own more than one. Many insurance companies offer discounts to customers who insure multiple specialty vehicles on their policies. Bundling your ATVs or other off-road vehicles together could save you money.

Common Types of Coverage

All ATV and specialty vehicle policies differ, so we gathered the information below to provide you with a rundown of the coverages. 

• Collision coverage: covers the cost of the damage done to your vehicle when a collision occurs with another vehicle or other object.
• Property damage liability coverage: insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
• Bodily injury liability coverage: protects you against particular damages if you happen to injure or kill someone while operating your vehicle. This coverage may also provide you with a legal defense if another party involved in the accident files a lawsuit against you.
• Comprehensive physical damage coverage: pays for covered losses resulting from incidents other than collision — like fire, theft, or vandalism.

Let us help ensure your coverage when you hit the trail. Talk to us today to find out how to get the Utica area’s best price and value on motorsports insurance.