Recreational Rides

• Classic Cars
• Motorcycles, Scooters
• Motor homes, fifth wheels and campers
• All-terrain vehicles (ATVs): Quads or four-wheelers,
• Utility task vehicles (UTVs): Side-by-sides, golf cartsPersonal watercraft (PWCs): Jet skis.
• Personal watercraft (PWCs): Jet skis.
• Snowmobiles ...ETC

Why you need specialized insurance for these

You'll enjoy being out on the open road or on the water even more when you're not worried about the safety of yourself, your passengers, your investment and damage to others.

Here are a few things to consider:

• Unless you have a policy specific to your type of TOY, you could be in for an unpleasant ordeal should you experience a loss. Your auto and homeowner's policies will likely not cover your Powersports, Boats or Recreational vehicles.
• If you're in an accident or your TOY is stolen, it costs money, often a lot of money, to fix or replace your recreational vehicles.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your vehicle is responsible for damage or injury to others, you may be sued for much more than you're worth.

Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of TOY you own.

Many companies offer discounts from 10 to 15 percent on insurance for graduates of training courses,

• Maintaining a good driving record with no violations will also help reduce your premiums.
• Find out what discounts are available. Multipolicy discounts may be available for those insuring home, autos and TOYS
• Keep in mind that the type, style and age of the TOY, as well as the usage and storage type may also affect how much you pay for your policy

Questions to ask

• How much can I afford to pay to replace my TOY if it is in an accident, damaged or stolen?
• How much medical and liability coverage should I have?
• What's the process for filing and settling a claim?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my TOY towed in an emergency?
• What's the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?