If you think your auto insurance policy or homeowners insurance policy will cover damages during a snowmobile accident, think again. Most auto insurance and homeowner’s insurance policies provide only minimal coverage — or none at all — when it comes to snowmobile accidents and repairs. You’ll need to purchase supplemental insurance from your auto insurance provider to insure your snowmobiles and protect any passengers in the event of a serious accident. Here are some important things you need to know about snowmobile insurance:
1. Snowmobile insurance may not be available in your state. Check with your auto insurance provider to find out if you live in a state that has the option for snowmobile insurance as a supplemental insurance policy. Some insurance providers allow you to insure several operators and snowmobiles on a single policy.
2. Basic snowmobile insurance coverage is similar to auto insurance. Most insurance providers offer bodily injury, property damage liability, comprehensive and collision insurance, and uninsured/underinsured motorist coverage for snowmobiles. Consider the pros and cons of each of these coverage options to make sure you have adequate coverage.
3. You can purchase accessory coverage. If you want extra protection for your electronic equipment, safety apparel, exhausts, saddlebags and custom paint job, you can purchase accessory coverage on top of any other insurance plans. Some insurance providers include accessory coverage with a comprehensive or collision insurance plan.
4. Snowmobile insurance discounts are available. Check with your insurance provider about any snowmobile insurance discounts you qualify for. You may get a lower rate if you own your own home, haven’t been involved in an accident for a while and when you’ve completed an approved safety course.
5. Comprehensive coverage will provide protection in the event of a natural disaster. If you live in an area that is at a high risk of flooding, experiences strong winds or is prone to damage from natural disasters, you will need to purchase comprehensive insurance for your snowmobile. Make sure you understand what is and isn’t covered under your insurance plan.
6. Roadside assistance coverage is available from some insurers. Some insurance companies offer roadside assistance, much like the supplemental coverage you can purchase for your vehicle. Roadside assistance can take care of towing costs in the event of a mechanical or electrical breakdown, replace a lost key and even replace a dead battery. Consider the costs and benefits of this additional type of coverage based on how often and where you plan to use your snowmobile.
7. Custom parts can be covered under your snowmobile insurance policy. Some insurance providers do provide coverage for custom parts when you file your claim. Verify what may and may not be covered if you have installed custom parts on your snowmobile.
Sources:
Progressive – Snowmobile Insurance
Allstate – Snowmobile/Off-Road Insurance
American Family Insurance – Snowmobile Insurance