TOY HAULER INSURANCE

This protection covers physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.

This type of coverage pays for damage or destruction, including loss of use of a Third Party's property. Reduction in value is the measure of property damage.

Collision coverage pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This protection is often subject to a deductible.

Comprehensive coverage pays for direct and accidental damage to the insured's vehicle other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.

This is a good coverage to have for the items within the toy hauler if the whole unit is damaged. Without this add-on, a basic toy hauler policy may only cover the actual toy hauler.

This coverage replaces total losses with the latest model (new-for-old) or, if not available, a comparable model.

In the event of a total loss, our expanded Agreed Value coverage pays you the amount originally spent for the toy hauler or the appraised value, with no deduction for depreciation and no deductible.