Do you own any adult recreational toy like an RV, a boat, a watercraft, an ATV, and others? You should think of getting toy insurance for it. According to an executive of Linda Dugan Insurance whose serving city is Astoria OR, some of these toys face the same risks as real automobiles. So, using them without any toy insurance is like driving a car without any insurance.
Find some of the reasons to consider recreational toy insurance below.
In Astoria, OR, people don’t joke take bodily injury lightly. If an accident occurs while using your toy and you happen to be at fault, you are likely to face a lawsuit or multiple lawsuits. Even if you are not at fault, you may need the service of a lawyer to prove that.
Toy insurance covers the claims from liabilities filed against you. This may include property damage liabilities and bodily injury liabilities.
For comprehensive damages
Your toy may get vandalized or burnt by fire or it may get stolen. If that happens, who will you blame? Who will bear the cost of fixing it or buying another one? Without toy insurance, you will bear the cost. This is what a typical toy insurance covers.
For accident caused by under-insured driver
It is possible for an uninsured driver to hit you. When that happens, you and your passengers will sustain some bodily injuries. Who will cover your medical bills since the culprit is not insured? Without any insurance, it is you, especially if the occupants are your spouse and kids. Every toy insurance policy also covers this.
For direct collision
Your toy may get hit or it may hit a vehicle or object and get damaged. Without insurance, you will be responsible for fixing it. This is another situation where toy insurance can help. It covers damages from a collision.
By now, you should have realized how smart it is to get toy insurance for your recreational toy. For more information, contact Linda Dugan Insurance.