When its that time of year again, to pull the snowmobiles out of storage and head for the trails. There are a few things that you should consider before doing so however; Does your snowmobile have physical damage coverage? If you leave your property, are you covered for personal liability? What if I get hurt, who will pay the medical bills?
What is snowmobile insurance?
Snowmobile insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Snowmobile insurance provides property, liability and medical coverage:
- Property coverage pays for damage to your snowmobile, such as, Comprehensive & Collision coverages.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damages.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most snowmobile policies are for 12 months, and in alot of cases, the snowmobile coverage is endorsed on your home insurance policy.
Why do you need snowmobile insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your snowmobile is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your snowmobile is responsible for damage or injury to others, you may be sued for much more than you're worth.
- If you do not have medical insurance, then it is very important to purchase some form of optional medical coverage.
Questions to ask your agent:
Your Independent Agent is an advocate for finding snowmobile insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Click here to get a Snowmobile Insurance Quote.