Reminder: APV License Plate Requirement and Its Impact on Insurance Coverage

 Earlier this year, we informed you that a registration exemption for all-purpose vehicles (APVs) being used on private property was removed from Ohio law. As a result, APVs used on private property or on land to which there is a contractual right are now required to be registered with the Ohio Bureau of Motor Vehicles (BMV). Please note: There was no change to the farm exemption.

In addition to this change, a new license plate requirement took effect July 1, 2010. Operators of APVs are required to display a license plate and registration sticker rather than a registration number after this date. After an owner obtains a license plate, the BMV will issue a new registration sticker to display on the license plate for each three-year registration period.

These changes were buried in the transportation budget bill passed last year at the request of farm owners who want to be able to identify operators of these vehicles when they are trespassing. Unfortunately, the registration change creates a negative impact on how these vehicles are covered under ISO homeowners’ insurance policies. It appears that because these vehicles are now required to be registered, they are excluded from the liability portion of a standard homeowners’ policy. Since the units are subject to registration, there is no automatic coverage afforded under the homeowners’ insurance policy.  Please contact us to discuss this issue and how we can provide adequate coverage for your APV.

In a June media release, the Ohio BMV stated that “current decals remain valid until their expiration, when they must be replaced with an APV license plate.”  The Ohio BMV also reminds us that “APV License Plates do not entitle the rider to operate the APV on public roadways. Laws regarding operation of APVs have not changed.”

If you own an APV or are considering the purchase of one, please contact us for details on the best way to insure the unit for your specific needs.

Reichley Insurance Agency is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.  

 

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Toll Free: 87-REICHLEY (877-342-4539)

Email: info@reichleyins.com

The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply. FKR5U7X67FVA