What Is Considered a Toy Vehicle for Insurance Purposes?

All motor vehicles come with inherent risks and concerns, regardless of what they’re used for or how skilled you may be behind the wheel. Certain automobiles, such as toy vehicles used for recreation or in unconventional environments, may be particularly dangerous. As a responsible vehicle owner, you should understand related financial risks and how insurance may curb them. But what qualifies as a “toy vehicle,” and how can you secure appropriate coverage? At La Cima Insurance Agency LLC, we’re here to help.

What Are Toy Vehicles?

Toy vehicle insurance is a general term that refers to coverage solutions available for automobiles used for recreation and hobbies rather than everyday transportation. These policies may also be known as recreational vehicle insurance. While exact terminology and policy options may vary among carriers, you can often get coverage for the following types of vehicles:

• Motorhomes
• Campers
• Travel trailers
• All-terrain vehicles
• Utility task vehicles
• Motorcycles
• Boats
• Jet skis
• Snowmobiles
• Golf carts

What Can My Policy Cover?

Given the many types of automobiles that may be considered “toy vehicles,” exact coverage options and parameters can vary significantly. Still, many types of toy vehicle insurance policies may include the following components:

• Third-party liability coverage may help pay for losses and expenses arising from somebody else’s bodily injuries or property damage you cause while using your vehicle.
• Collision coverage may help pay for repairs or costs to replace your toy vehicle if it’s damaged in a crash with another vehicle or a stationary object.
• Comprehensive coverage may cover damage sustained by your vehicle caused by noncollision incidents, such as fires, theft, vandalism and severe weather.
• Uninsured/underinsured motorist coverage may help you recoup your losses if someone else is to blame for an accident but is insufficiently insured.
• Contents coverage may be applicable for campers, motorhomes, and larger boats, and it can financially protect your personal belongings onboard.
• Emergency assistance coverage may help pay for help and services, such as if you blow a tire on the road or your boat breaks down on the water.

We’re Here to Help

Contact La Cima Insurance Agency LLC in Greenville, SC, today to learn more about toy vehicle coverage or compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.