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Have you grew up watching Back to the Future II, dreaming of the day fresh futuristic technology would be a reality? Part of this dream became reality last year with the introduction of hoverboards. As with most of the movie transitions to reality, the reality is always a little different and not as glamorous as the movie, and hoverboards are no exception to this rule.
first, and very disappointing on my return to self-loving future, modern hoverboards does not fly. More troublesome are the wildfires that they became known for last year. Hoverboards lacked regulation early in their popularity as demand has increased, manufacturers cut corners to increase outsourced production and manufacturing overseas to track sales [1]. Unfortunately, due to the lack of regulation, many problems arose. Like the popular warning "You shoot your eye out!" For a child with a BB gun, a less catchy "Your hoverboard will catch fire!" Is an equally important warning. Even with all the volatility of these elements enter the market, I bet you know someone who has received in the past year. Fortunately, the regulations have since been put in place to help curb the spontaneous fires.
Given their shaky start, what do we do these self-balancing scooters and how are they related to insurance? A license is not needed to operate one nor the hoverboard will require a license plate for "drive". A hoverboard is considered a motor vehicle as defined by the standard owners policy. Because most of these policies limit coverage for these types of vehicles, it means t here is no liability or medical payments coverage, although there may be an exception to the location provided . It depends on whether a hoverboard is designed for use off public roads (ie sidewalks, drive-ways, etc.). Since a hoverboard can be used on public roads, coverage is questionable. And most personal auto insurance policies do not provide coverage for hoverboards be
I think fans and critics can see the obvious dangers hoverboards -. It takes some time to learn to use them without falling and even experts can take a tumble. So if you are considering buying a hoverboard, I encourage you to think about your insurance options through. What is your state laws require? For example, California residents can use a hoverboard on public roads if the bike path. the hoverboard will be used on your home or outside your premises? What is the maximum speed of the hoverboard? The maximum speed can affect coverage options as well as where it is used.
Thinking about these questions can not be as fun as dream of being as cool as Marty McFly, but it could help you prepare for your future!
[1] http://qz.com/5670/exploding-hoverboards-expose-the-total-lack-of-global-manufacturing-standards/
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