Chris Boggs of the Academy of Insurance pointed out an exclusion on most home insurance policies I had never thought of. The policy excludes liability from Barbie Jeeps operated off the residence premises.
Barbie Jeeps are those battery operated "cars" that kids sit in and ride down the sidewalk.
Now, certainly there is no specific exclusion. However, the Jeep does meet the definition of a motor vehicle and the exclusion is pretty clear. If it were a golf cart, there might be coverage.
Next time your kid wants you to buy a toy Jeep, explain to them that your insurance doesn't cover you.
(Tongue now removed from my cheek.)
Barbie Jeeps are those battery operated "cars" that kids sit in and ride down the sidewalk.
Now, certainly there is no specific exclusion. However, the Jeep does meet the definition of a motor vehicle and the exclusion is pretty clear. If it were a golf cart, there might be coverage.
Next time your kid wants you to buy a toy Jeep, explain to them that your insurance doesn't cover you.
(Tongue now removed from my cheek.)
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