There are more than 1.1 million snowmobiles registered to riders in the United States alone. Though many riders use them on private property, others take them to faraway trails to enjoy the best of the winter snowpack.
The farther you ride from home, the more risks you’re likely to encounter. Snowmobile insurance can help protect you from costly repairs and damage while you’re riding.
But what exactly does this insurance cover? Here’s what you need to know.
Even the most basic and cheapest snowmobile insurance should offer general liability protection. This type of coverage protects you from lawsuits and costly out-of-pocket settlements if someone gets injured by your snowmobile or you damage someone else’s property.
For example, if a passenger gets hurt when they fall off the back of your snowmobile, liability coverage will help pay for their medical costs. If you break someone’s fence, liability coverage will help cover the cost of repairs.
The amount of coverage you’ll want to buy depends on your location, where you ride, and how often you ride. Talk to your agent and let them help you find the right amount of snowmobile insurance coverage.
Damage From Collisions
If you’ve ever had to fix your snowmobile, you know that repairs aren’t always cheap. And when the damage is extensive, covering those costs can make you think twice about hitting the trail again.
Collision protection will reduce what you have to pay out of pocket if your snowmobile gets damaged in a collision. That collision can be with another snowmobile, a stray boulder, and even the neighbor’s fence. As long as the damage happened when you were riding and hit something, collision coverage will kick in.
As a general rule, buy enough coverage to pay for the full replacement cost of your snowmobile. This way, you won’t have to drain your savings by making repairs.
This type of insurance is usually optional, but it’s well worth the investment. Comprehensive insurance covers damage to your snowmobile relating to an event other than a collision.
For example, if your snowmobile gets stolen while you’re taking in the view or the vehicle gets damaged by a freak hailstorm, comprehensive protection will cover the cost of repairs.
Think about the risk factors in your area.
Do you tend to store the snowmobile outdoors unattended? Are severe storms common in your area? If so, talk to your snowmobile insurance agent about getting comprehensive coverage.
The Best Snowmobile Insurance Will Protect Your Ride
If you’re planning on riding your snowmobile this winter, don’t wait. Invest in snowmobile insurance before you hit the trail for the first time.
This way, you’ll be protected no matter what happens to your ride.
Keep in mind that finding an affordable snowmobile insurance quote isn’t the only thing you need to worry about. You also need to find an agent you can trust and a company you can rely on. Check out our latest posts for more tips to help you find the best insurance for your needs and your budget.