The Importance of Snowmobile Insurance
Having the right kind of snowmobile insurance can help you keep enjoying your ride for many years to come. You’ll need to make sure to get a policy with every type of coverage that matches your unique needs. Having comprehensive coverage under your snowmobile insurance can help you receive reimbursement for incidents that aren’t collision-related. Since there are many potential disasters that aren’t collisions, like fires, theft, vandalism, collisions with deer or other large animals, and storm damage, having comprehensive coverage can help ensure that you get to repair or replace your snowmobile after a much wider variety of incidents.
Snowmobile insurance is meant to not only protect your special vehicle, but also your liability as its owner and operator. Policies can vary based on your unique needs, but snowmobile insurance often covers:
- Bodily injury and property damage liability: These coverages can help reimburse you for legal fees in case you cause injury or personal property damage to a third party with your snowmobile and they sue you.
- Uninsured/underinsured motorist coverage: This coverage protects you if a third party causes a collision with your snowmobile and doesn’t carry any or enough insurance of their own to cover their portion of the damage.
- Collision coverage: This coverage can help reimburse you for physical damage to your snowmobile if you cause a collision with another snowmobile or hit a piece of property.
- Accessories coverage: This coverage can help reimburse you for damage to other items related to your snowmobile such as a trailer, and for theft of your other equipment like helmets.
- Comprehensive coverage: This coverage can help reimburse you for threats “other than collision,” including damage to your snowmobile by storms, vandalism, and the theft of your snowmobile.
- Roadside assistance: This coverage can help pay for emergency services if you’re stranded on the trail with a dead battery or due to another disaster.
Talk to your agent at Professional Underwriters about covering your off road vehicles today.