Published: May 2015
Your group or club is thinking about getting involved a local parade, which is great. After all, it's a good way to get noticed and show your community some support.
While your plan is to build a float that will delight the crowd, have you considered whether insurance will cover the vehicle that provides the tow?
The good news is that, while insurance companies will vary, you'll probably find that your auto policy will offer protection when you're pulling a float in a parade, says Michael Barry, vice president with the Insurance Information Institute.
"If it's a one-day thing, you'll likely be OK, as long as you're not using the car for a commercial purpose," says Barry. Driving in a parade is typically covered, as long as the insured driver is driving as a volunteer and is not paid.
When you call your agent, you may want take the opportunity to ask about your coverages, too. While parade organizers often go to great lengths to keep their events orderly and safe, it's important that you understand how your insurance might help protect you if something were to go wrong.
For instance, collision coverage is the type of protection that would help repair your car if you're in an accident. Comprehensive coverage typically helps if your car is stolen, vandalized, or damaged in a fire. And liability coverage is the type of coverage that would help protect you if you cause an accident that hurts another person or damages their property (another car, a fence, etc.).
Many parade organizers will actually require liability coverage if you plan to drive in their event, though it's likely a coverage you already have since most states also require it at some level.
You'll also want to check with parade organizers for any additional rules. Many communities have local ordinances and regulations that guide their festivities, according to this parade safety guide put out by the National Association of Counties.
For instance, you may need to meet a minimum age requirement before you can drive in the parade. Or you may be required to go through training or put safety measures in place before you're allowed to take part.
When the big day arrives, securely attach the float to your vehicle, show up on time, and sit back and enjoy the ride.