What Does a Snowmobile Insurance Policy Cover?

Snowmobile insurance provides financial protection against risks associated with owning and operating a snowmobile. This specialized coverage helps mitigate potential financial burdens that can arise from accidents, damage, or liability claims.

Understanding Liability Coverage

Liability coverage addresses damages or injuries you might cause to others. This coverage typically divides into two categories: bodily injury liability and property damage liability. Many jurisdictions require snowmobile operators to carry minimum liability coverage.

Bodily injury liability helps cover medical expenses, lost wages, and pain and suffering for individuals you injure in an accident where you are at fault. For example, if a collision you cause results in another person requiring medical attention, this coverage can help pay for their hospital bills, doctor visits, and physical therapy. Common policy limits can range from $100,000 per person up to $300,000 per accident.

Property damage liability addresses costs to repair or replace property belonging to others that you damage with your snowmobile. This includes damage to another person’s snowmobile, vehicle, fence, or other structures. Limits for property damage liability often start around $50,000.

Protecting Your Snowmobile

Coverage designed to protect your own snowmobile falls under collision and comprehensive policies. These policies address the costs of repairing or replacing your snowmobile due to incidents.

Collision coverage pays for damage to your snowmobile resulting from an impact with another vehicle or object, or if it rolls over. This includes scenarios such as hitting a tree, a fence, or another snowmobile, regardless of who is at fault. This coverage may also include a limited amount, such as up to $2,000, for damaged safety apparel like helmets.

Comprehensive coverage, sometimes referred to as “other than collision,” protects your snowmobile from damage caused by non-collision events. This includes incidents like theft, vandalism, fire, natural disasters such as hail or floods, falling objects, or hitting an animal. It covers your snowmobile even when it is not in active use, such as while in storage.

Additional Coverage Options

Beyond core liability and physical damage coverages, several optional coverages can enhance a snowmobile insurance policy. These address specific situations.

Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a snowmobile operator who either has no insurance or insufficient insurance to cover your damages and injuries. This coverage can help pay for your medical expenses, lost wages, and damage to your snowmobile.

Medical payments coverage helps pay for medical expenses for you and your passengers if injured in a snowmobile accident, regardless of who caused the incident. This can cover hospital bills and doctor visits.

Coverage for custom parts and accessories protects aftermarket parts, modifications, or specialized equipment added to your snowmobile. Standard policies might not cover these enhancements.

Roadside assistance and towing coverage provides help if your snowmobile breaks down on the trail due to mechanical issues, a dead battery, or other problems. This can include towing to a repair facility, often with coverage limits ranging from $300 to $1,000 per occurrence.