Many people have expensive toys like snow machines, four-wheelers, and other fun recreational motorized vehicles. These toys can be costly to replace if you get into an accident. Because of the expensive nature of ATVs, getting insurance for those toys might be a good idea. What exactly is toy insurance, and what does it cover?
What is toy insurance?
Toy insurance covers big expensive toys such as four-wheelers and golf carts. It is necessary to keep these toys maintained so that they stay in working order. If you happen to get into an accident or something damages your expensive toy, insurance will help cover the costs to replace or repair it.
What does toy insurance cover?
Like auto, boat, and RV insurance, toy insurance has the option for medical payment coverage. If you get into an accident and someone in your party gets injured, your insurance coverage will step in to help pay for those medical expenses.
Almost everything has liability as part of the coverage options, and toy insurance is no exception. Liability insurance covers property damage, injury to other parties, and legal fees if you are at fault for an accident.
Uninsured and underinsured motorist coverage
Sometimes you get into an accident that is the other person’s fault. If so, their liability insurance will help cover your expenses. What if they don’t have any insurance or don’t have enough to cover the total cost? That is where uninsured and underinsured motorist coverage comes in. If you have that as part of your policy, your insurance will cover the damage expenses that the other person caused.
Contact Fuhriman Insurance Agency
If you need toy insurance for your ATV, contact us at Fuhriman Insurance Agency in Boise, ID.