Barbie Jeep Gone Wild!

I recently ran across a You Tube video where adults, partaking of adult beverages, were riding Barbie Jeeps down mountainous trails.  Now the Insurance Geek in me immediately freaked out.  Why?  Most home insurance policies will not cover any liability your child causes from his/her Barbie Jeep operated off the residence premises - much less a slightly intoxicated adult!

Barbie Jeeps are those battery operated "cars" that were designed for kids to sit in and ride down the sidewalk. 

Now, certainly there is no specific exclusion in your home policy. However, the Jeep does meet the definition of a motor vehicle and therefore it is not covered on your home policy. What could happen you ask? Go to You Tube and you will get an idea. 

Next time your kid wants you to buy a toy Jeep, explain to them that your insurance doesn't cover you.  Next time your "adult" wants to "soup up" the Barbie Jeep for some extreme Barbie Jeep racing, remember that your insurance doesn't cover you.

(Tongue now removed from my cheek.) Seriously, talk to your insurance agent for more information on how to protect your assets from the antics of your kids and your "adults".