Be Certain You and Your Snowmobile Are Covered

Winter is here and regardless of how experienced you are on a snowmobile, it’s important to make sure you have the proper insurance before hitting those trails. Going off-road without the appropriate coverage could be financially devastating for you in the event of an injury, collision or any another unforeseen issue.

What is snowmobile insurance
Snowmobiles are usually not covered under the basic homeowners, renters, or auto insurance plans, especially if they are used off your property. In most cases you will need to purchase a separate policy to ensure you are properly protected. Like other types of insurance, snowmobile insurance policies consist of liability, and physical damage coverage. The policy limits you set should be based on the total value of the snowmobile as well as how much financial protection is needed should you be sued in the event of a liability dispute. Snowmobile insurance is a requirement in some states and is always a smart idea to avoid paying out of pocket for damages.

What does snowmobile insurance cover
(Nationwide Insurance)
• Liability: Liability helps cover medical costs for bodily injury to others and property damage to others if you’re at fault in an accident. It can also pay the injured party’s lost wages and help cover your legal expenses if a lawsuit is brought against you due to an accident. Many state laws require liability coverage.
• Uninsured motorist: This helps protect you from uninsured drivers and hit-and-run accidents. Each state has its own uninsured
motorist laws. Coverage is subject to policy coverage provisions and limits.
• Underinsured motorist: If you’re in an accident with a driver who does not have enough insurance to cover the costs of an accident, this coverage steps in. Coverage is subject to policy provisions and limits.
• Medical Payments: Optional coverage that is available to provide initial medical cost protection to you in the event you are injured due to an incident involving your snowmobile.
• Collision: Collision pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your
vehicle rolls over.
• Comprehensive: Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism,
theft, weather events and accidents involving animals.

Depending on your insurance carrier, your policy could also include coverage for safety apparel, like helmets and eye protection as well as
custom parts and equipment.

The cost of snowmobile insurance
The cost of snowmobile insurance depends on the type of coverage you purchase and the type of snowmobile you are insuring. Other factors
may also affect your rate, including where you live, your age, and your driving record — much like automobile insurance.

We encourage you to reach out to AgQuest/ MN River Insurance to help answer any questions you have regarding coverage on your snowmobile or other recreational vehicles. Our experienced agents can help compare products from various companies to find the best coverage that is tailor fit for your specific needs. Don’t leave yourself exposed to the unexpected; contact one of our agents today!

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