Richard Vaughn, CPCU, ARM
35 years in commercial P&C insurance; licensed Vermont P&C producer.
Practical insurance information
UTV Insurance Guide is an independent educational resource for US side-by-side owners. This site is not an insurer or insurance agency and does not sell insurance. We explain policy concepts and questions to ask, while marking unverified figures and state requirements for review. Coverage depends on the policy issued, not a summary on this site.
How quote requests are handled
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Editorial approach
We aim to use plain language, separate coverage choices from legal requirements, and avoid unsupported promises. [VERIFY] labels identify information still requiring owner review. The displayed last-reviewed date records this site’s content preparation date; it is not a certification of every state rule. Send corrections to hello@utvinsurance.com.