The difference between boys and men is the price of their toys. Toy insurance is essential for owners of RVs, motorcycles, boats, and ATV’s in Coppell, TX. It is good to note that these are highly valuable and technical vehicles and that they can cause severe damage to persons and property. Toy insurance from The Select Insurance Agency is a fantastic thing to have since Texas tends to have favorable weather for numerous outdoor activities. Most of these “toys” are usually used in an unconventional manner such as speeding which increases one’s risk to be involved in an accident. So, when should you file a toy insurance claim?
When You Have Had an Accident and Someone Else is Involved
You’re better off claiming your toy insurance in Coppell, TX when your toy is involved in an accident with someone else. For instance, if you are at fault and you hit the other person, he has the right to make a liability claim against you, and he can even sue you. With the Select Insurance Agency Toy coverage, you are entitled to a legal defense and coverage of the judgment against you up to a certain limit. Inform your insurance company even when the damage appears minor, and you and the other driver agree that you can settle everything yourselves since this approach can backfire.
When You’ve Had an Accident, and No One Else Is Involved
Let us assume that you hit a guardrail and your car is damaged. In this case, you are the one who is at fault and no one else is involved in the accident You should file a toy insurance claim if the damage to your vehicle is significant and it may require significant repairs. Don’t assume that the damage is minor and you may cater for the repairs off your pocket.
Do you own a valuable “toy” and want to insure it? Contact us today for a comprehensive toy insurance coverage.
