Do I Need Snowmobile Insurance?

snowmobile insurance

Riding around on a snowmobile can be really fun. But, it can be dangerous as well. Therefore, it’s essential that you protect yourself and your off-road vehicle with snowmobile insurance before you hit the slopes and powdery paths. Even if your state doesn’t require you to have insurance, it’s always a good idea to cover yourself, your passengers and your snowmobile.

Reasons to Have Snowmobile Insurance

There are many reasons why you would want to get snowmobile insurance, but some of the most common reasons include:

  • Covering yourself from property damage and bodily injury that can occur from a snowmobile accident
  • Covering yourself for an accident with a snowmobiler that is not insured
  • Covering yourself from an accident that causes damage to your snowmobile
  • Covering yourself from fire, vandalism, theft and other losses

This is not an exhaustive list of reasons to get insurance for your snowmobile, but are common reasons. You never know when an accident could happen that could injure you, another person or cause property damage. It’s always a good idea to protect yourself.

Every snowmobile driver should have insurance regardless of their level of experience or skill. If you hit the slopes without having proper insurance, it can leave you liable for collision costs and medical payments if you were to have an accident.

Although snowmobiles are a great time and a fun way to get around mountainous crags and slopes, they shouldn’t be considered toys. Snowmobile accidents happen often due to negligence and recklessness.

In fact, according to the New York State Office Parks, Recreation and Historic Preservation (OPRHP), there were a total of 80 reported snowmobile-related accidents in the 2015-2016 seasons. Out of these, there were four deaths.

Although all insurance companies are different, typically a standard insurance for snowmobile policy would offer you:

  • Collision and comprehensive coverage
  • Bodily injury liability and property damage coverage
  • Labor and towing coverage
  • Medical payments coverage

Snowmobile policy costs can differ for different reasons; however, they are usually fairly inexpensive. This cost is well worth having that peace of mind knowing that your finances and investment are protected when you are out riding on the adventurous slopes.

Contact us here at BOLT Insurance Agency to learn more about snowmobile insurance.