Various types of motorized vehicles such as ATV's and motorized scooters have become increasingly popular in recent years for recreational purposes. Homeowner and auto insurance policies typically don't automatically extend liability and physical damage coverages to these items.
Homeowner policies typically don't provide coverage for damage to motorized vehicles not licensed for road use unless they are used to service the insured premises, are used to assist the handicapped, or are a golf cart. Liability coverage may apply to the use of these vehicles only while used on the insured premises.
If you own any motorized vehicles not listed on your personal auto policy we encourage you to call us to discuss their use and the insurance coverages pertaining to them.
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