NuLine News

By Amy Haldorson

Does your child have a Barbie jeep or an electric bike? If you come to my house, you’ll more than likely see a couple of kids zooming around on them all over our yard. Sometimes even running over pets or their siblings. There has also been an occasional 3am Barbie car race between adults. Shhh don’t tell my kids. One particular beautiful starry night my friend and I were bored. Because, why sleep at 3am when you can drive Barbie cars around. She hopped on and the next thing you know she's zooming towards my garage door. You know how this turns out….I blamed it on the kids of course. When I asked Chad how to go about turning in the claim, he had more questions than usual…but my first thought was, am I liable for this damage? Most homeowners insurance policies now extend coverage for motorized vehicles, including Barbie Jeeps. But, there are some exceptions to this rule, so you may want to check with your insurance agent. Now, if the Barbie car had an accident off our property and hit someone else or someone's else's property, I may have been liable. Homeowner’s policies may or may not provide coverage while on the insured premises, and it less likely that polices extend coverage for these motorized vehicles beyond the property. This could leave your clients (and possibly YOU) open to a liability exposure if there were to be an accident, injury or property damaged caused by the motorized vehicle….and yes, Barbie Jeeps and electric bicycles are considered motorized vehicles. As the weather warms and those warm weather toys come out of the garage and on to the driveways….and sidewalks and streets, it is a great time to ask your talk to your insurance agent about any toys that you may have on your property.

Safety Tips for Electric Cars for Kids:

1. Inspect the car. Do a once over and make sure there are no broken or missing parts. Additionally, you should get familiar with how the toy works. Make sure there are no exposed electrical components or sharp edges.

2. Create a safe riding environment. Think about helmets and seatbelts, riding surfaces, and fences.

3. Properly maintaining the vehicles are important. The main components to keep an eye on for an electric toy car are; wheels, body and battery.

4. Cleaning and proper storage. If you want the toy to last a long time, do not keep it outside. Rain, snow, moisture and curious critters are all threats and will easily dam-age, as well as damage the battery.

5. Age and weight limits. Be sure to check out all the features and limitations of a car before buying it to ensure its age and weight are appropriate for you child.

NuLine Insurance is always evolving and changing, and in an effort to bring our local communities better products and services, we have recently expanded to Maddock, ND. Our 3rd office opened this May! Our office is located in Maddock’s Business and Technology Center. NuLine would like to welcome all of Maddock and the surrounding area to stop down, say hello and check out our new office. The new location will allow us to expand our insurance base and offer the existing Maddock area customers the same great service we currently provide. This would include our advanced technology systems and means of communication, like web and social media. Being an Independent Agency, we are able to give area residents additional options and choices when it comes to their insurance needs. Sometimes in a small town there are not many options and in order to have variety, it requires going further, whether it be out of town or online. We can help take the hassle out of shopping around as we represent many different carriers and do all lines of insurance. Our staff and team are thrilled to be a part of this venture, which includes our management and administrative staff, licensed agents, and CSR’s (customer services representatives). We especially look forward to having an active role in the community activities. With NuLine starting out in Harvey in 1966, and then adding our Rugby office, we have been built on being community minded and are always willing to help out in any way we can. Our entire team at NuLine are rural people that come from an agricultural background. We know how important it is to be involved and to keep the smaller communities thriving. We are also excited about some of the changes we have made to the new office. We have started with new paint, flooring, furniture and décor. With the fresh new look and being located in such a nice, professional business center, we are thrilled for this opportunity.

by: Amy Haldorson

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