Do You Have Offroad Wrecker Insurance? How To Find Out (And Get Covered!)

Everyone loves a great time out on the trails. Nobody loves that moment when you get yourself into a gnarly situation and need to call for help. Whether you're stuck in a ditch or your vehicle is completely disabled, having off-road wrecker insurance can save you from the headache and expense of getting back on the road.

But here’s the deal – not all offroad insurance policies include wrecker coverage. So, how do you know if you’re covered or not? Don't worry; we've got you covered (pun intended). 

Let’s look at offroad wrecker insurance and how to make sure you have the right coverage for your adventures.

What Is Offroad Wrecker Insurance?

First things first, what is offroad wrecker insurance? This insurance covers any damages or accidents while using a vehicle off-road trails. This can include getting stuck in mud, having mechanical issues, or even colliding with another offroad vehicle.

So why do you need this type of insurance? Well, think about it – when you're out riding on remote and rugged trails, there's always a chance that something could go wrong. And if it does, towing and recovery costs can quickly add up. 

With offroad wrecker insurance, you won't have to worry about paying for these unexpected expenses out of pocket. Instead, your insurance will cover the costs and help get you back on the trails as soon as possible.

Types of Coverage

Offroad wrecker insurance typically offers a variety of coverage options to fit your specific needs. These can include:

• Towing and Recovery: This covers having your vehicle towed or recovered from an off-road location if it becomes disabled or stuck.
• Mechanical Breakdown: In the event of a mechanical failure, this coverage can help pay for repairs or replacement parts needed to get your vehicle back in working order.
• Collision Coverage: If your vehicle collides with another off-road vehicle or object, this coverage can help pay for the necessary repairs or replacement.
• Liability Protection: This coverage can protect you from legal and financial responsibility if you cause injury or damage to another person or their property while operating your off-road vehicle.

Checking Your Existing Coverage 

Before you assume that you need to purchase additional coverage, reviewing your existing auto insurance policy carefully is key. Some standard policies may include limited off-road coverage or offer add-ons for off-road activities.

Contact your insurance provider and ask them specifically about off-road wrecker service coverage. Provide details about the type of off-road activities and the locations you frequent. This will help them better assess your needs and advise you on the appropriate coverage options.

If your current policy does not offer sufficient off-road wrecker insurance, your provider may be able to recommend additional endorsements or riders to expand your coverage.

Getting Covered

If you determine that you need to purchase off-road wrecker insurance or enhance your existing coverage, here are some tips and considerations to keep in mind:

1. Shop around: Different insurance providers may offer varying levels of coverage and pricing for off-road wrecker insurance. Compare quotes from multiple companies to find the best deal.
2. Consider your level of risk: The level of coverage you need will depend on the frequency and intensity of your off-road adventures. More extreme or remote activities may require higher levels of protection.
3. Check for discounts: Some insurance providers may offer discounts for completing off-road safety courses, joining off-road clubs, or having multiple vehicles insured under the same policy.
4. Review your deductibles: While lower deductibles may result in higher premiums, they can also save you money in the event of a claim. Evaluate your budget and risk tolerance to determine the appropriate deductible amount.
5. Understand exclusions and limitations: Carefully read and understand any exclusions or limitations in the policy, such as restrictions on the types of terrain covered or the maximum towing distance.

Finding Offroad Wrecker Coverage Near You

When you're out on the trails and need offroad wrecker services, having a reliable provider nearby can make all the difference. Here are some tips for locating quality offroad wrecker coverage in your area:

• Check with local off-road clubs and communities: Connect with off-road enthusiast groups in your region. They often maintain lists of recommended towing and recovery services catering to off-road vehicles and situations.
• Search online directories and reviews: Conduct an online search for "offroad wrecker service near me" or "off-road recovery + [your location]." Browse directories like Yelp, Google Maps, or specialized off-road forums to find providers near you. Read customer reviews to gauge their reputation and expertise in off-road recoveries.
• Consult your insurance provider: If you have offroad wrecker insurance coverage, your insurance provider may have a network of approved or recommended towing and recovery services in your area. They can provide you with contact information and guidance on accessing these services.
• Ask at off-road vehicle dealerships or repair shops: Local dealerships and repair shops that specialize in off-road vehicles are likely to have connections with reliable off-road wrecker services in the area. Based on their industry experience, they can share their recommendations.
• Check with local towing companies: While not all companies may be equipped for off-road situations, some may have the necessary equipment and expertise. Contact local towing services and inquire about their off-road recovery capabilities and service areas.

Once you've identified potential offroad wrecker service providers near you, it's a good idea to gather their contact information and keep it readily available in your vehicle or smartphone. This way, if you ever find yourself in a precarious situation on the trails, you can quickly reach out for assistance.

If you happen to be in northern Wisconsin and you get stuck, contact BSF Offroad Recovery. They offer FREE recovery services, 1-715-575-3074.

Don’t Risk It - Get Coverage Today

It’s tempting to forgo the cost of off-road recovery insurance, but the potential consequences of not having coverage far outweigh the initial investment. Just one instance of needing to be pulled out of a sticky situation can result in thousands of dollars in towing fees and vehicle damage. 

Off-road recovery insurance can also cover costs for flat tires, dead batteries, and other common issues that can arise while exploring the great outdoors.

Don’t risk being stranded on the trails without proper insurance. Take the necessary precautions and invest in a reliable off-road recovery plan today. Trust us, you’ll thank yourself later when faced with the unexpected on the trail. 

Looking for more great tips and insights like these? Make sure to head over to the Goats Trail Apparel blog – where we’ve put together tons of excellent guides to make the most of your offroading experience.