Toy Vehicles

Toy vehicles, such as recreational vehicles (RVs), boats and jet skis, can be fun to operate. However, toy vehicles are vulnerable to incidents that ordinary vehicles might not be. Having toy vehicle insurance can provide financial protection against out-of-pocket accident costs. 

What Does Toy Vehicle Insurance Cover? 

Toy vehicle insurance differs among policyholders but tends to include coverage options such as the following: 

• Liability coverage helps cover expenses if you or someone listed in your insurance policy are at fault in an accident that causes property damage or bodily injury.
• Uninsured/underinsured motorist protection helps cover repair expenses if a driver with little or no insurance damages your toy vehicle.
• Custom parts/equipment coverage helps protect against damages to custom enhancements made to your toy vehicle.
• Medical payments coverage helps cover medical bills if you or your passengers are injured in an accident. 

The agents at 1st American Insurance Agency can help you learn about policy customization options. 

Is Toy Vehicle Insurance Required? 

Toy vehicle insurance is generally not required. However, insuring a toy vehicle can reduce your chances of covering significant costs related to an incident. If you don’t carry the right policy, you may be forced to cover high costs after an accident. 

How Expensive Is Toy Vehicle Insurance? 

Toy vehicle insurance is often dependent on the history of the policyholder. If you have a history of frequently filing insurance claims, you may pay a higher coverage rate than someone who has never filed a claim. Learn about policy costs by contacting the 1st American Insurance Agency agents. 

Reach Out Today 

If you are a toy vehicle owner near Chicago, Illinois, the experienced agents at 1st American Insurance Agency can help you learn about potential toy vehicle insurance policies to assist you in deciding on the proper coverage. 

Reach out to our agency today at 773-467-2200 to request a quote.