Snowmobile Insurance

What You Need to Know About Snowmobile Insurance
If you own a snowmobile, then you are ready to start riding and have some fun on those trails. Owning a snowmobile is fun and exhilarating and is a great way to enjoy the winter weather. Purchasing a snowmobile can be costly, it is important that your investment is protected. If you own a snowmobile or are looking to purchase a snowmobile, then you need to know how much risk you face every time you take to the trails. Snowmobiles are not covered under your auto or home insurance policy. For your snowmobile to be covered you need to purchase snowmobile insurance. Snowmobile insurance covers injuries and damages to the other party that you may have caused in an accident.

What You Need to Know About Liability
Snowmobile insurance policies cover two major types of liability coverage: bodily injury liability and property damage liability. Bodily injury liability provides coverage for medical treatment that you may have caused to someone else due to an accident. Property damage liability provides coverage for repairing someone else’s property (such as a fence or a snowmobile) in case you damage it while operating your snowmobile.

Liability Requirements
In the state of New York all snowmobiles must be covered by minimum liability insurance if you are operating it on any part of the roadway or shoulder of a highway.
When riding your snowmobile in New York State Parks you must carry liability coverage. It is required that you carry proof of insurance, and it must be displayed. Snowmobile liability insurance is inexpensive. Too many snowmobilers carry minimum coverage. If you are involved in a snowmobile accident it could severely harm you financially. People are surprised at how little it costs to increase their limits of liability.

Comprehensive Coverage
Snowmobile insurance covers more than just collision coverage due to an accident. Collision coverage pays for repairing your damaged snowmobile or replacing it in the event of a total loss. Comprehensive coverage also known as “other than collision,” covers for fire, theft, vandalism, accidents that the driver is not deemed at fault, and if a deer hits your snowmobile. Snowmobile insurance covers accidents that occur during transport. Depending on the company, some companies may cover safety apparel, custom parts, and your trailer that you use for transporting your snowmobile.

Do I Need Year-Round Insurance Coverage For My Snowmobile?
Do I really need insurance all year round? The answer is yes. When it comes to protecting your snowmobile, don’t you want all year-round protection? Winter is over and now you put your snowmobile away for the season. You decide to cancel your snowmobile insurance, you feel you are not riding it so why pay for the insurance. The purpose of snowmobile insurance is to protect you from any risk of a loss, even when your snowmobile is not in use. What if, you have a garage fire, and your snowmobile is in the garage. Your homeowner’s insurance will not cover the snowmobile. You need snowmobile insurance which will cover your snowmobile under comprehensive due to a fire loss or what if, your snowmobile is stolen? If you have no snowmobile insurance, then you are paying for a new snowmobile out of your own pocket.
Our snowmobile insurance coverage is an annual policy that continues during the “off-season” and provides year-round protection for your snowmobile.

Snowmobile Discounts
We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:
• Own Your Home
• Bundle other kinds of insurance
• Snowmobile Safety Course
• Riding Association
• Pay in Full
• Theft Recovery
• Clean Driving Record

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