What type of coverage do you need?

No, not an alligator…a motorized jeep for kids. If you’re like me and live in a development or on a cul-de-sac summertime means “gator time”.

On our street the kids begin to bring out their motorized jeeps the minute the ground thaws out. It’s not unusual to see a caravan of these tiny jeep replicas parade down the street. Of course no summer is complete until the kids decide the jeeps can be used for bumper cars. My daughter had a pink Barbie jeep and boy could she motor up and down the street pretending she was shopping. Of course, my son can’t live without his John Deere gator. He and his buddies love to have races with their gators and it’s amazing the terrain these jeeps can handle. Check this out!

These battery-powered vehicles pose some insurance questions on how they will be covered. Some homeowner policies only provide liability while they are being used on your property. In other words, the minute your child takes it out into the street, neighbor’s yard, or sidewalk, your policy may not extend liability coverage. What happens if while driving in the street they hit a parked auto or worse yet hurt someone else?

Some of the companies that The Weimer Group represents cover these type of vehicles as “toys”. As long as they aren’t gas-powered they can be considered no different than a bicycle. But be sure to check with your agent. Or better yet, contact us today to see if we can make sure you are getting the best coverage for a competitive price. Let us sculpt an insurance program that fits your life.

Posted 4:55 PM

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