Mountain Riding Risks
Utah's mountains offer spectacular riding but elevated risks:
- Steep grades increase rollover risk
- Loose surfaces reduce traction
- Narrow trails increase collision risk
- Rapid weather changes
- Remote locations far from medical facilities
- Elevation affects vehicle performance and judgment
Why Standard Coverage May Not Be Enough
- Medical evacuation can cost $10,000 to $50,000+
- Vehicle recovery requires specialized equipment
- Mountain accidents tend to be more severe
Recommended Coverage
Mountain riders should carry higher liability limits, comprehensive and collision with reasonable deductibles, medical payments, and uninsured motorist protection. The premium difference is usually modest.
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