Don’t let your snowy adventures get cut short because you didn’t get the right coverage for your winter fun! Your homeowners or auto policy may not adequately cover your snowmobile. We’ll help you insurance your sled, so you can go out and enjoy the snowy trail.
Guest Medical Coverage
There may be a possibility that a guest arrives at your house and gets himself injured unknowingly. You are liable to pay for his medical expenses.
If a guest is injured at your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.
Property damage liability Coverage
If you cause an accident with your snowmobile and damage another person’s vehicle or property, you need to pay for their loss.
This coverage helps pay for damages to another person’s vehicle or property. Most states require liability coverage.
Collision Coverage
Regardless of who’s at fault, if your snowmobile is involved. In collision, you may need to pay for the repair charges.
Collision pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. This coverage also includes up to $2,000 for safety apparel, like helmets and eye protection.
Comprehensive Coverage
Also known as “other than collision,” this coverage can help pay for non-collision damage to your snowmobile
This includes damage from vandalism, theft, weather events and accidents involving animals. This coverage also protects custom parts and equipment.
Uninsured / Underinsured motorist coverage
Drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you or your vehicle can put you into liabilities.
UM coverage helps protect you and your snowmobile from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws.
OEM endorsement Coverage
While repairing your snowmobile, you would be happy to replace the damaged parts of your snowmobile with the original ones.
This policy add-on helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, payment based on the fair market value of the new OEM part is issued.
Snowmobile insurance typically helps cover you and your sled in a number of ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.
Regardless of skill level or experience, every snowmobile driver needs snowmobile insurance. Hitting the snow without adequate coverage could mean you are unprotected against medical payments and collision costs in the event of an accident.
Collision Coverage
Pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.
Comprehensive Coverage
Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals. This coverage also protects custom parts and equipment.
Uninsured Motorist Coverage
UM coverage helps protect you and your snowmobile from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.
Underinsured Motorist Coverage
If you’re in an accident with a driver who does not have enough insurance to cover the costs of an accident, this coverage steps in. Coverage is subject to policy provisions and limits.
Bodily injury liability
If you cause an accident on your snowmobile and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.
Property damage liability
This snowmobile insurance coverage helps pay for damages to another person’s vehicle or property if you cause an accident. Most states require liability coverage.
OEM endorsement
This policy add-on helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, payment will be issued based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.
Snowmobile insurance is designed to offer financial protection for your sled and for the injuries or damages that you may cause as a driver. As a snowmobile owner, you know how dangerous riding can be. While you may be a safe rider, you cannot always account for poor weather conditions or the actions of other riders. One of the best ways to mitigate the risks that you face is by securing the right snowmobile insurance.
Don’t assume you have coverage for your snowmobile through your other insurance policies. Note that your snowmobile will typically not be covered by your homeowners, renters or auto insurance policies. Get in touch with us and we’ll be happy to help you find the right coverage for your sled.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.