Are driving garden mowers lined by owners insurance policies? This can be a fairly broad query. For the aim of this publish, I'm speaking about owners (HO) protection for accidents to 3rd events. So, are such accidents lined by HO insurance policies? Right here's the same old insurance protection reply: It relies upon. It actually does. Google "driving garden mower damage statistics." They're very sobering. Driving garden mowers could cause catastrophic damage comparable to amputations and even loss of life. The insurance claims can attain a whole lot of 1000's of , even one million or extra. And one estimate is that about 87 MILLION customers personal a driving garden mower or backyard tractor. So, if a shopper owns a driving mower, are there Insurance Policies extra suited to that publicity than others, all different issues being equal? Sure. Actually, even for those who're speaking in regards to the "identical" coverage, the version date could make a distinction. For instance, utilizing the ISO HO 00 03 coverage as a information, right here is the relevant wording from the final three editions as to what sorts of driving garden mowers are lined: 1991 HO 00 03 Motor autos "Used to service an 'insured's' residence" 2000 HO 00 03 Motor autos "Used solely to service an 'insured's' residence" 2011 HO 00 03 Motor autos "Used to service a residence" So, let's say you might be mowing part of your neighbor's yard between your two driveways. Otherwise you're mowing the garden at your church. Otherwise you're pulling a small wagon with children across the neighborhood on Halloween. In case your use of the driving garden mower leads to your authorized liability for damage, loss of life, or property injury, right here's how every of the coverage editions above would reply: 1991 HO 00 03 So long as you generally use the automobile to service your (or any insured's) residence, you're lined. 2000 HO 00 03 You haven't any protection… when you EVER use that automobile off a lined residence premises, your protection vanishes ceaselessly. 2011 HO 00 03 Use to mow your neighbor's grass strip between the driveways is roofed as a result of protection extends to ANY residence, not simply to a residence of an insured underneath your coverage. If you're mowing the church property, there isn't any protection except you might be mowing the garden of the parsonage ("a" residence). If you're driving down the road, no protection. Coverage language DOES matter and you may see how the distinction in a single phrase in an Insurance Coverage could make the distinction between protection for one million greenback declare (in case your restrict is excessive sufficient) and chapter. Insurance coverage Insurance Policies are NOT the identical. Don't consider what you hear or see in commercials.
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