Why You Need snowmobile Insurance

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Spot On Coverage

Some of the snowmobiles we help find coverage for:

Crossover
Touring
Utility
Mountain
Trail

NOT REQUIRED, UNLESS

You have a loan on your snowmobile.

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

YOUR MEDICAL EXPENSES:

Ensure coverage for medical expenses for you and your passengers in case of an accident.

PROTECTION FOR YOUR SNOWMOBILE:

The two standard coverages do not provide protection for damage or replacement of your SnowmobileTo ensure coverage for your Snowmobile, Collision and Comprehensive coverages are needed.

There are Two Standard Snowmobile Coverages:

Bodily Injury Liability(BI):

This coverage pays for the medical expenses of others if you’re at fault in a snowmobile accident.  BI coverage extends to passengers on other vehicles who may be injured.  BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries to you or your passengers.  To ensure coverage for injuries sustained by you or your passengers, you must purchase optional medical coverage.

Personal Damage Liability (PD): 

This coverage pays for the costs of repairing or replacing another person’s damaged property if you are found at fault in an accident.  PD covers repairs to their vehicles and other damaged property.  

However, PD does not cover damage to your snowmobile.  To cover damages and repairs to your snowmobile, you must purchase optional Collision and Comprehensive Coverages.

Optional Snowmobile Insurance Coverages:

Collision Coverage:

Example: While driving your snowmobile on a trail, a deer suddenly darts across your path, causing you to swerve and hit a tree. The resulting damage to your snowmobile amounts to $1,000. With a $250 collision deductible, you’ll pay that amount, and your insurance company will cover the remaining $750.

Comprehensive Coverage:

Example: Your snowmobile sustains $2,000 in damage from a severe hailstorm while parked at your campsite. With a $250 deductible, you’ll pay that amount to repair your snowmobile, and the insurance company will cover the remaining $1,750.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

This coverage protects against injuries to you and your passengers, as well as property damage, caused by a driver with little or no insurance.

Example: You’re hit on your snowmobile by a driver who doesn’t have insurance. UM/UIM can cover your $10,000 medical bill and snowmobile repairs up to your $100,000/$300,000 limits. Your bills are paid in full because they do not exceed the coverage limits.

Example: You lost control of your snowmobile and crashed, resulting in injuries that required $1,000 for medical care and rehabilitation. With a $20,000 medical coverage limit, your policy covers all your bills.

Accessory & Custom Parts Coverage:                                                                                                      

If you’ve made enhancements or upgrades to your snowmobile that weren’t factory installed, accessory and custom parts coverage automatically provides up to $3,000 in coverage if you have comprehensive and collision on your policy. Additional coverage up to $30,000 can be purchased. 

Example: The $500 cargo rack you added to your snowmobile to haul equipment was stolen. It is covered in full under this coverage.  

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select. It is important to note that not all carriers offer the same discounts.

Payment Discounts:

Prompt Payment:  Earn a discount by consistently paying your premiums on time.

Safe Driving Rewards:

Safety Course:  Completing an approved snowmobile safety course qualifies you for a discount.

Responsible Driver:  Earn a discount if you have maintained a clean driving record with no accidents or motor vehicle violations for the past three years.

Policyholder Savings:

Homeowner Discount:  Enjoy savings just for being a homeowner.

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Here are some things to consider when deciding whether to file a claim:

  • Was anyone injured in the accident?
  • Did you cause damage to someone else’s property or vehicle?
  • Is your snowmobile unsafe to drive?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, it’s advisable to consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Step 1: Document the Scene

  • Take photos of the damage to all vehicles involved.
  • Capture the positions of the vehicles.
  • Photograph the license plates of the other vehicles.

Step 2: Exchange Information

  • Share insurance details with other drivers and note any passengers.
  • Contact the police to assist with information exchange and file a police report.
  • Try not to apologize or make statements that could be construed as admitting fault.

Step 3: Collect Additional Information

  • Make note of the accident location.
  • Make note of the towing company if your snowmobile requires towing.

Step 4: Notify Your Insurance Carrier

A deductible is the amount of money you must pay out of pocket for covered expenses before your insurance coverage begins to apply.

For example, if your snowmobile insurance collision deductible is $250 and you incur $1,000 in damages, the insurance company will pay the repair shop $750, and you would be responsible for paying your $250 deductible.

Snowmobile liability coverage limits in Michigan apply to Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages.

They are typically written out as three numbers like 25/50/25. Here’s what they mean:

  • $25,000 limit per person for Bodily Injury in an accident
  • $50,000 total limit per accident for Bodily Injury
  • $25,000 limit per accident for Property Damage.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

Yes, we suggest obtaining an estimate before initiating a claim.  Once you have your estimate, please give us a call to discuss your options. We’ll also review your policy with you to determine if your estimate exceeds your deductible.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

I Know What I Need

I am ready to proceed.

I Need More Information

Click on the “Spot on Coverage” button to learn more.

I Want to Start a Flexi-Bundle

Click on the “Flexi-Bundle” button and save.

Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.