Question

Which of the following is NOT true of recreational vehicles?

A. Coverage under an Automobile Insurance Policy should be excluded by endorsement if an all-terrain vehicle is used in the water.
B. Not all drivers of the recreational vehicles must be licensed.
C. Recreational Vehicles are permitted to cross highways.
D. Motorized snow vehicles are automatically covered under an automobile insurance policy - no endorsements needed at any time. Because you always put OPCF 32 with O.A.P. 1

Answer 1

The statement that is NOT true about recreational vehicles is that motorized snow vehicles are automatically covered under an automobile insurance policy with no need for endorsements.

Step-by-step explanation:

When it comes to recreational vehicles and their insurance, it's important to be informed about what is and isn't covered under a standard Automobile Insurance Policy. In the context of the given question, option D, which states "Motorized snow vehicles are automatically covered under an automobile insurance policy - no endorsements needed at any time" is NOT true of recreational vehicles. Typically, you would need specific endorsements, like OPCF 32, attached to the Ontario Auto Policy (O.A.P) 1 form, to ensure your motorized snow vehicles are covered.

This is because recreational vehicle coverage usually requires additional considerations outside of standard auto insurance policies. As each type of recreational vehicle presents its own set of risks, insurers often expect endorsements to tailor the policy to the specific needs of the vehicle. Moreover, issues such as whether all drivers must be licensed to operate these vehicles, or if they are allowed to cross highways, can vary depending on local laws and the specifics of the insurance policy taken out on the vehicle.