August 2010 Dec Page
Question of the Month
Miscellaneous vehicles are considered to be golf carts, motorized wheelchairs, snowmobiles, ATVs, riding mowers and other such equipment. Insurance for these vehicles is found under three coverages: the homeowners policy and endorsements, the auto policy endorsements, and the inland marine endorsements. This can make properly providing coverage for this equipment confusing. Where is the best coverage found for an insured's needs? Are multiple forms needed in order to close any coverage gaps? What exposures do the endorsements apply to and what are the restrictions in the coverage?
This article provides answers to these questions and also provides information on the various endorsements that can be attached to the homeowners policy, the auto policy, and inland marine policies: Miscellaneous Vehicles: An Overview.
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