Miscellaneous Vehicles: An Overview

Summary: Miscellaneous vehicles are considered to be golf carts, motorized wheelchairs and scooters to assist the handicapped, watercraft, snowmobiles, ATVs, riding mowers and other such equipment. Coverage for these vehicles is found in three places; the homeowners policy and endorsements, the auto policy endorsement, and the inland marine endorsements. This makes properly providing coverage for this equipment confusing. Where is the best coverage found for an insured's needs, and are multiple forms needed in order to close all gaps? This article takes a close look at the ISO forms where coverage may be found for these items.

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