Powersports Gap 150 Total Loss Protection: Dirt Bike vs ATV for Off-Roading

Torque Group • July 7, 2022

Have you been thinking lately about competitive off-roading, particularly how you’d want to try and train for it? If so, you’re probably wondering whether to go with dirt biking or ATV-riding. If safety is your biggest concern, then you’d probably be better off with a dirt bike. Also, consider Powersports Gap 150 Total Loss Protection for financial protection should your bike gets damaged beyond repair.

Why dirt biking may be more your cup of tea

For the longest time, the popular belief was that ATV-riding is safer than dirt biking perhaps because of the false sense of security a four-wheel drive gives. Statistics show however, that ATV crashes are more fatal compared to dirt biking accidents.

To expound a bit more, here are a few common reasons why dirt biking is considered safer than ATV-riding, particularly in competitive off-roading:

1. As a rule, bikers always wear safety gear before every ride

In general, bikers are more careful riders if only for the fact that they usually make it a point to wear safety gear every time they ride out. And these pieces of protective gear, from helmets to gloves, goggles or eye protection and so on, were designed following strict safety standards, which means the rider will have ample protection should an accident occur.

ATV riders don’t always wear safety gear, not even a helmet, and as mentioned above, it could be because of the false sense of security of having four wheels instead of two.

2. Dirt bikers are generally separated from their machine during an accident

When a bike crash occurs, the rider usually gets separated from their bike either because they were thrown off or they slid off their seat. In either case, they are less likely to be crushed by their vehicle compared to an ATV rider who usually ends up trapped inside the vehicle during a crash. In some instances, the ATV fell on the rider, causing serious injury or worse, death.

3. Dirt bike riders are more focused on the track

Dirt bikers are generally more cautious compared to ATV riders, and again, this could be attributed to the “safety” of having four wheels instead of two. Also, dirt bikers are aware there is nothing separating them from the open track, so they know any miscalculated turn could result in an accident.

If you’re still unsure on whether to go with a dirt bike or an ATV, it’s best to wait awhile and take your time researching on the pros and cons of both.

Powersports Gap 150 Total Loss Protection

Offer the best Powersports Gap 150 Total Loss Protection and other F&I products to your customers. Contact us today to learn more. Please feel free to call Torque Group at (800) 859-0590. You may also send a message at info@torque-group.com.

February 5, 2026
Powersports Vehicle service contract reinsurance allows you to maximize revenue per unit sold. Visit Torque-Group.com to learn more.
January 27, 2026
Powersports Extended Service Companies allow you to sell new technology with confidence. Learn more at Torque-Group.com.
January 25, 2026
If you love off-roading, then products like tire and wheel coverage are necessary as off-road vehicles are subjected to more "abuse" than on-road vehicles, which means they're more likely to experience breakdowns and failures. Learn more at Torque-Group.com.
January 18, 2026
A dealership's F&I Manager drives the business to success as they expertly navigate the financial aspects of the dealership that will allow buyers to drive home their dream vehicle. Learn more at Torque-Group.com.
January 9, 2026
A dealership's F&I department is its bread and butter as this is where financing gets approved and where after-sales products that will make ownership a breeze are sought and customized according to each customer's situation. Learn more at Torque-Group.com.
January 9, 2026
With after-sales products like extended service contracts, dealerships are protecting their customers against unexpected expenses. Learn more at Torque-Group.com.
By Pat Blogs October 24, 2025
The most devastating thing that could ever happen to a vehicle owner is losing their vehicle to theft or unsalvageable damage. GAP Total Loss Protection helps ease the grief and burden of vehicle loss. Go to Torque-Group.com to get the best Powersports GAP Total Loss Protection for your customers.
By Pat Blogs October 24, 2025
Is your F&I team performing at peak level? It must be if you want to increase profit and retain loyal customers. Learn more about F&I trainings at Torque-Group.com.
By Pat Blogs October 24, 2025
When a dealership manages its own reinsurance company, they not only have more control over their F&I products, but they also earn from the underwriting profit. Learn more at Torque-Group.com
Show More