There are many types of toys that residents living in the U.S. can enjoy. What’s considered a recreational toy, and are there any rules or requirements when you use one? Our agents at York Jersey Underwriters Inc., serving tinton Falls, NJ, have the answers and recommendations for coverage to consider.
What Is Considered a Recreational Vehicle?
A recreational vehicle, aka a recreational toy, can be either a non-motorized or motorized vehicle. These can be classified in several ways, such as non-conventional vehicles, off-road vehicles, motorized scooters, or full-size recreational toys.
Examples of the types of recreational vehicles include:
- All-terrain vehicles (ATVs)
- Lightweight motorcycles (dirt bikes)
- Electric or gas-powered golf carts
- Pocket bikes
- Toy haulers (motorized or towed)
- Snowmobiles
New Jersey Requirements for Recreational Vehicles
ATVs
ATVs must be registered with the Department of Motor Vehicles. And when in operation on public property or state parks, you must have proof of insurance and registration with you.
Dirt Bikes
If the motorcycle is modified so it can be driven on public roads, you are required to have liability insurance. Coverage may also be required if the bike is driven on trails in a state park.
Golf Carts
Like a dirt bike, if a golf cart is modified to make it street-legal, the cart must be registered, have a title and insurance, and be driven by a licensed driver.
Pocket Bikes
The bike is a small-scale motorcycle, but it is not allowed on public property.
Toy Haulers
A non-motorized toy hauler combines cargo with living space. It does not require insurance, but it is recommended to protect the hauler’s contents, plus protection from theft and damage. The vehicle towing the toy hauler must have the minimum requirements for liability insurance.
Contact Us
If you have a question about your toy recreational vehicle or the state’s requirements, contact us at York Jersey Underwriters Inc. We’re here to help Tinton Falls, NJ, residents enjoy their toys year-round.
