I’m sorry to tell you that your agent is making a big mistake and in the end it could cost you tens of thousands of dollars.
Take a close look at the policy you receive and answer these questions:
1. Does the title of the policy say ‘Off Road Vehicle Insurance’? If it does, it’s the WRONG policy.
2. Does the policy have a section with coverage for ‘Personal Injury Protection (PIP)? If there is no coverage for this, it’s the WRONG policy.
3. Is the term of the policy 1 year? If it is, it’s the WRONG policy because regular motor vehicle policies in Florida (including LSV’s) are for 6 months only.
And remember that regardless of what some mindless clerk in your agent’s office told you, it’s your responsibility to review the policy and understand the basic terms and conditions of it. Unfortunately, few people bother to even glance at their insurance policies, let alone try to understand it.
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