Collision and comprehensive coverage will not usually cover damages to a rented snowmobile. Collision coverage typically helps pay for the damage to your snowmobile if you hit an object, such as a tree, or another vehicle; it does not pay for the damage caused to someone else's property. Comprehensive coverage helps pay to repair or replace your snowmobile if it's damaged by flooding, theft, vandalism or most other reasons not involving a crash with another vehicle or object.

If the rented snowmobile is wrecked, the collision or comprehensive coverage you have as part of the snowmobile insurance for your own machine probably won't cover the damage to the rental.