Having toys is lots of fun … until and unless something goes wrong. When you buy motorcycles, boats, golf carts or ATVs, they come with legal requirements and liability exposures.
IF YOU OWN TOYS, HERE’S WHAT YOU SHOULD KNOW:
Motorcycles:
You will need a valid driver’s license with a motorcycle endorsement, which requires passing a written knowledge and skills test, and a motorcycle safety course is recommended. Mississippi enforces the wearing of helmets for both driver and riders. Your motorcycle must be street legal to ride on the road, and insurance is required. For more information, contact the Mississippi Department of Public Safey.
Boats:
The Mississippi Department of Wildlife and Fisheries requires a boating license and successful completion of a boating education course to legally operate a vessel in Mississippi. Boats must have personal flotation devices, sound devices, lights, fire extinguishers, visual distress signals, registration and certificate of number during all boat operations. Insurance is required. Contact the Department of Marine Resources for more information.
Golf Carts:
Registration with your city generally is required to operate a golf cart on public roads. Needed safety equipment includes headlamps, brake lights, turn signals, red reflectors, seatbelts, mirrors and a sound alert such as a horn. Golf carts must remain on low-speed roadways and adhere to all traffic laws and street signs. Insurance is required for on-road use. For compliance requirements, contact your local county or city office.
ATVs:
ATVs are designed exclusively for off-road use and can’t be operated on public property or on a public road. Helmets and safety courses are recommended. Drivers should be over the age of 16. For more information, contact the Mississippi State Extension Service.
INSURANCE ON YOUR TOYS IS BENEFICIAL FOR MANY REASONS, INCLUDING:
Repair or replacement:
Your toy could be stolen or accidently damaged during play, and insurance will help cover the cost to repair or replace — if your policy includes comprehensive and collision endorsements. This protection carries an additional cost.
Liability:
Insurance provides a financial response for accidents where you may be deemed at-fault and another party is injured, or there is resulting property damage.
Uninsured/underinsured:
This coverage would protect you in an accident where you are injured or your property is damaged and the other party does not have adequate coverage. This coverage is highly recommended.
Medical payments:
For injuries sustained at play for you or your passenger(s), medical-payments coverage is very beneficial and helps cover medical deductibles when coordinated with health-insurance benefits.
Consult with a knowledgeable insurance agent for the best available protection and to understand the options, terms and conditions of your policy.