Got Toys? How to protect boats, atv, rv motorcycles and more - Proper insurance protection

Having toys is plenty of fun unless something goes wrong.  When you make an investment in motorcycles, boats, golf carts or ATVs, you should be aware of your legal requirements and liability exposures.

Legal requirements for your toys:

-          Motorcycles – you will need a valid driver’s license with a motorcycle endorsement which requires passing a written knowledge and skills test, and a motorcycle safety course is recommended.  Mississippi enforces the wearing of helmets for both driver and riders.   Your motorcycle must be street legal to ride on road.  Insurance is required. For more information, contact the Mississippi Department of Public Safey.

-          Boats – in Mississippi to legally operate a vessel, a Boating License and  passing a boating education course is required by the Mississippi Department of Wildlife and Fisheries.  Boats are required to have Personal Flotation Devices, Sound Devices, Lights, Fire Extinguishers, Visual Distress Signals, Registration and Certificate of Number during all boat operations. Insurance is required.  Contact the Department of Marine Resources for more information.           

-          Golf Carts  -  Registration with your city is generally required to operate a golf cart on public roads. Needed safety equipment includes headlamps, brake lights, turn signals, red reflectors, seatbelts, mirrors and a sound alert such as a horn. Golf Carts must remain on low speed roadways and adhere to all traffic laws and street signs.  Insurance is required for on-road use. For compliance requirements, contact your local County or City office.

-          ATVs – ATV’s are designed exclusively for off-road use and cannot be operated on public property or on a public road.  Helmets and Safety Courses are recommended.  Drivers should be over the age of 16. For more information, contact the Mississippi State Extension Service.

Insurance on your toys is beneficial for many reasons including:

-              Repair or Replacement – Your toy could be stolen or accidently damaged during play, and insurance will help cover the cost to repair or replace, as long as comprehensive  and collision endorsements are included on your policy.  There is an additional cost for this protection.

-              Liability– Insurance provides a financial response for accidents where you may be deemed at-fault and another party is injured or there is resulting property damage.

-              Uninsured/Underinsured – This coverage would protect you in an accident where you are injured or your property is damaged and the other party does not have adequate coverage.  This coverage is highly recommended.

-              Medical Payments – for injuries sustained at play for you or your passenger(s), medical payments coverage is very beneficial and helps cover medical deductibles when coordinated with health insurance benefits.

Consult with a knowledgeable insurance agent for the best available protection and to understand the options, terms and conditions of your policy.

Angelyn Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at www.southgroupgulfcoast.com, (228) 385-1177,  azeringue@southgroup.net.

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our convenient locations!

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.
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