Updated: August 2016
For many people, the arrival of winter means something a bit more exciting than warm cups of cocoa and getting up early to shovel the driveway — it's snowmobile season! If you're a dedicated snowmobiler, you may be chomping at the bit to start cutting a path through snowy plains and reveling in the cold, white beauty of winter.
The average snowmobiler covers more than 1,200 miles each year, says the International Snowmobile Manufacturers Association. That's a lot of miles in which Old Man Winter can throw you for a loop, and that's a good reason to be sure that you have insurance to help cover your sled and you. If you don't have snowmobile coverage, or you want to be sure your current policy is sufficient, here are a few things to consider about snowmobile insurance coverages.
Whether you slide into a fence, hit a fallen branch or collide with another snowmobile, repairing your snowmobile can be expensive. Collision coverage may help pay for the cost of those repairs so you can get back on out on the trails.
Liability coverage may help protect you financially if you are involved in an accident. This coverage may actually be required in some states, says the American Council of Snowmobile Associations. Here are how the two types of liability coverage for snowmobiles, bodily injury and property damage, work:
- Bodily injury liability coverage. If you harm someone else in an accident, you may be found legally responsible for their medical expenses. Bodily injury liability coverage may help cover the costs of their resulting medical bills.
- Property damage liability coverage. Should you accidentally damage someone else's property, such as a fence or home, while riding your snowmobile, property damage liability coverage may help pay for the costs of repairs. If you're found responsible for an accident with another snowmobile, this coverage may also help cover the cost of repairs to the other rider's sled.
When you think about your snowmobile, you may picture a great weekend adventure and favorite trails. A damaged or a stolen snowmobile may not be on your mind, but there are hazards at any time of the year. Comprehensive coverage may help cover the cost of repairs or replacement if your sled is stolen or damaged during events such as hail or vandalism.
Don't assume you have coverage for your snowmobile through your other insurance policies. The National Association of Insurance Commissioners notes that your snowmobile will typically not be covered by your homeowners, renters or auto insurance policies. Talk to your agent to see if your existing insurance policies provide any coverage.
If you decide to purchase a snowmobile insurance policy, ask about any available discounts. For instance, some insurers may offer discounts for customers who have multiple policies with them. You may also be able to get a discount for paying your premium in full or by taking an approved snowmobile safety course.
Be sure you've talked to your agent about having coverage for your snowmobile, and you'll be ready to hit the trails as soon as the first snow falls.