Whether it’s professional sports – Minnesota Vikings, Timberwolves, Twins and Wild – or college sports – Minnesota Golden Gophers, tailgating is a common past-time that students, young adults and even adults enjoy pre- and post-game. Tailgating is even popular with other sporting events, such as soccer, NASCAR and lacrosse. Regardless of the sport, you need to make sure that when your child takes out your brand new lifted 4WD truck to a tailgating party that it is safe. Here’s what you need to do.
First things first, you need to ensure that your child has a valid driver’s license and is listed as a driver on your Minnesota insurance policy. This is similar to ensuring your spouse is added to your policy after you are married; otherwise, an insurance claim may be rejected.
You also need to ensure your vehicle has liability coverage so that your child’s friends (who will most definitely be with them) are covered in the event of an accident.
Don’t forget to check out your deductibles, as you never know when a tailgating accident may occur. After all, there are some tight spaces in the parking lots where these events are held. Plus, there are a lot of people there, so it is more likely for a minor accident to occur.
You also want to check to ensure that your personal property, such as your cooler, grill and other outdoor equipment that your child will be dragging along with him, is indeed covered under your homeowners insurance policy. You never know when something might get stolen and you need to replace it.
Sporting events can be a lot of fun, especially for college students. However, make sure you take the time to take to them about being safe and give one of our independent car insurance agents a call to discuss your policy coverage and limits. An agent will be more than happy to ensure that your child and your truck are both adequately covered under your policy.