05/20/2026
As the weather warms up, more families are pulling out the ebikes, golf carts, ATVs, and side-by-sides and many parents are surprised to learn that drivers as young as 14 can often be covered on a separate recreational vehicle policy.
The important thing to understand is this:
If a child or young driver is involved in an accident on a golf cart, ATV, or ebike, you may not want that claim impacting your homeowners or personal auto insurance policy.
A separate recreational vehicle policy can help provide dedicated liability protection for:
✔️ Golf carts
✔️ Ebikes
✔️ ATVs & side-by-sides
✔️ Campground vehicles
✔️ Off-road recreational vehicles
Another major advantage is that claims on these policies typically do not affect your personal auto insurance rates.
At Smith Family Insurance Center, we can write coverage in several states for campers, golf carts, ebikes, and recreational vehicles — especially for families preparing for campground and camping season.
If you or someone you is getting ready to dewinterize their camper or let the kids start riding around the campground or sidewalks this spring, we’d be happy to review their coverage.