UTV Collision Insurance and Cosmetic Repair—We Do it All

UTV Collision Insurance and Cosmetic Repair—We Do it All

Dave Kost

If you’re anything like us, you more than likely have a UTV repair and collision center on speed dial. It’s one of those relationships you build over time—you know, after you’ve rolled your rig for the sixth time. 

You need a place you can trust will get the job done correctly and on time and won’t rob you of all your worth through their labor charge. Let’s face it—being an ATV and UTV owner isn’t cheap.

Luckily for you, that’s all you have to do with DFW ATV. We take care of the rest. 

We know it’s hard to believe. But it’s true, especially if you have collision insurance on your UTV. 

Here’s everything you need to know to get your UTV into the shop ASAP and back onto the trail even quicker. 

We’re a Direct-Repair Facility

Not to toot our own horn, but we are the only direct repair facility in Dallas, Texas, that can perform maintenance on all OEM and aftermarket parts. Not to mention custom builds, fabrication, rebuilding frames, stereos, and chassis are our specialties.

Here’s our contact information:

11265 Goodnight Lane #1003, Dallas, Texas 75229

Hours: 9 am-6 pm Monday-Saturday

Phone: 972-833-050 


InsuranceCollison Repair & UTV Service

It’s bound to happen—you’ll have some cosmetic or structural damage if you push your UTV to its limits. That’s why it seems silly not to put coverage on your rig, but in the state of Texas, technically, you don’t have to.

What Does ATV/UTV Insurance Cover?

  1. Liability—standard liability coverages for ATVs and UTVs include bodily injury and property damage. When you’re backing your ATV out of the garage and your foot slips, you roll back into your buddy’s truck sitting in your driveway. Your liability coverage may pay the policy limit to repair the damage on your buddy’s truck. 
  2. Collison—coverage refers to damages associated with repairing or replacing your machine after a covered loss. An example of this is when you take a curve too fast and collide into a tree. Your ATV or UTV may be repaired up to your policy limits. 
  3. Comprehensive Coverage—this coverage includes but is not limited to fire, vandalism, theft, hair, animal, and many more. If a deer runs out in front of you while you’re on the trail and you hit it, leaving you with a cracked front bumper, your insurance may cover you up to your policy limits. 

And most UTV and ATV owners don’t realize that most insurance companies cover cosmetic damage. Don’t leave the scratches, dings, and dents on your machine—make a claim with your insurance and let us restore your side-by-side to its “off the showroom floor” condition.

UTV Coverage Exclusions 

ATV and UTV insurance only cover recreational use. Therefore, the repairs will not be covered if you have an accident while racing. That said, accidents that happen on state highways or roads are generally not covered either due to the nature of UTVs, and ATVs are to be driven off-road. 

Advantages of ATV and UTV Insurance

The risk of not having ATV or UTV insurance coverage outweighs the reward in the amount of money you spend on insurance premiums. Replacing parts and fixing damages can cost you a pretty penny, and when you use your machine as much as we do, those costs add up quickly. Therefore, the safe bet would be to add coverage to your side-by-side and pay the premium rather than paying all repairs out of pocket. 

How Does UTV Collison Repair Work at DFW ATV?

That’s a good question—you make the phone call, we set you up with an appointment, and you trailer your rig to the shop. We work directly with your insurance company to get your repairs covered.

Photo Caption: We do all the work for you when it comes to working with the insurance company directly. Photo by Honda

What ATV/UTV Insurance Companies Do We Work With?

We haven’t come across an insurance company that doesn’t work with our shop yet. That said, here is a list of Insurance Companies (not limited to) that we work with directly. 

  1. Progressive
  2. State Farm
  3. Allstate
  4. Geico
  5. Liberty Mutual
  6. Farmers
  7. Nationwide 
  8. USAA
  9. Old American
  10. Texas Farm Bureau Insurance

Make the Most of Down Time

Photo Caption: Add our  Black Cage with Gray Roof to your Kawasaki Teryx KRX 4 1000. Photo by DFW ATV

Make the most of your downtime while your machine is in the shop. You can add one of our DFW ATV Roll Cages to your RZR, a DFW ATV Stereo Top to your Ranger, or new wheels to your Can-Am. 

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