Recreational Vehicle Insurance in Prairie Village, KS

Purchasing a toy vehicle can be an exciting endeavor. It can add more adventure to your life, but it’s important to recognize that these types of vehicles come with inherent risks. Because of this, it’s essential to obtain an insurance policy that will financially protect you and your vehicle.

What Is Toy Vehicle Insurance?

Toy vehicle insurance refers to a policy that financially protects recreational-use vehicles, such as personal watercraft (e.g., Jet Skis) and all-terrain vehicles (ATVs). These types of vehicles typically benefit from a robust insurance policy to protect against substantial expenses that may result from collisions or other covered incidents. Without insurance, toy vehicle owners would have to pay for costly incidents out of pocket.

What Can Toy Vehicle Insurance Cover?

Toy vehicle insurance typically offers the following coverage options:

Liability coverage can financially cover damages and losses the policyholder causes to a third party. If a third party sues, this coverage may also help pay for legal costs.

Collision coverage can provide financial protection against the cost of damage if you are involved in a collision with another vehicle, object or building.

Comprehensive coverage may help cover damage unrelated to a collision, such as weather damage, vandalism and theft.

Uninsured/underinsured motorist coverage can financially protect vehicle owners if they are in an accident with an at-fault driver who lacks insurance or has insufficient coverage to address the resulting damage.

Medical payment coverage can help pay for medical expenses for the vehicle owner and passengers if they are injured in an accident, regardless of fault.

Custom parts/equipment coverage can offer financial protection for accessories and modifications an owner makes to their toy vehicle, such as aftermarket parts and attached equipment.

Learn More

Contact Bovard Insurance Group today to discuss your toy vehicle insurance needs.