Why You Need snowmobile Insurance
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Spot On Coverage
Some of the snowmobiles we help find coverage for:
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 Snowmobile. To 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:
Protects against non-collision events out of your control like theft, fire, vandalism and more.
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.
Medical Coverage:
Pays for injuries sustained by either you or your passengers, regardless of fault.
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™ & Save:
Flexi-Bundle™ Discount: Combine up to four insurance products and select from up to four insurance carriers.
Frequently Asked Questions
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.