I'm amazed at how many don't really know what is or is not covered. Comprehensive (Fire, theft, vandalism, glass, etc) and collision are not required anywhere unless you have a loan and your bank requires it. In the days before snowmobiles and OHRV, it was not unusual for people to have an old "ice car" for the lake, with the doors and maybe windows removed. Collision is collision. You hit something or something hits you. The policy doesn't say you have to be on an approved road. In the extreme, if you are drunk, or otherwise breaking the law, your policy still covers the vehicle and anybody you might hit. To deny, is "contrary to the public good". On the other hand, if you commit fraud to buy insurance, such as claiming NH residence instead of Chelsea, MA, some coverage, such as theft, could be denied, although the bank could still recover as a lien holder.
|