After purchasing your snowmobile, contact us so you can receive wide-ranging coverage for you and your sled. We represent many companies who offer coverage options to protect you.
Bodily Injury and Property Damage Liability (BI/PD) covers your legal liability for an accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.
If your limits are 15/30/10, this means:
• No more than $15,000 would be paid per person for Bodily Injury
• No more than $30,000 would be paid per accident for Bodily Injury
• No more than $10,000 would be paid per accident for Property Damage
You are at fault for an accident that injured two people and damaged another snowmobile. The other rider's total medical bills were $500 and the other passenger's total medical bills were $300. The damage to the other snowmobile was $1,000. All injuries and damages would be covered because they fall within the 15/30/10 BI/PD limits you selected. Each person's injuries were less than $15,000, and the amount for all injuries was less than $30,000. The other snowmobile's damage also was below the $10,000 Property Damage Liability limit.
Comprehensive and Collision coverage pays to repair or replace your snowmobile if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage.
With Collision coverage, your insurance company pays for damage to your snowmobile when you collide with another vehicle or object. If you hit a snowmobile, a pole or another nonliving object, collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your snowmobile caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your snowmobile catches on fire or is stolen, Comprehensive coverage will apply.
When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages.
If your injury expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person's Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.
If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured snowmobile, up to the limits you select.
A rider who has no insurance bumps your snowmobile from behind while you're waiting for friends to catch up. You fall off the snowmobile and sprain your wrist, causing you to incur $1,000 in medical bills. Your snowmobile has $800 in damage. Your Uninsured Motorist limits are $20,000/$40,000/$15,000, which means your injuries and the damage to your snowmobile fall within these limits and will be covered.
Medical Payments coverage pays the cost of necessary medical care you receive as a result of a snowmobile accident and can be used regardless of who is at fault. Medical payments often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount.
You sustain $2,000 in injuries from a fall off your snowmobile when you turned too quickly. You do not have any health insurance, which means you can use your MedPay coverage, up to the $1,000 limit you selected, for your injuries. The other $1,000 in medical bills must be paid by you.
Accessories are defined as equipment, devices, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of the snowmobile. This includes, but is not limited to:
• Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the snowmobile using bolts or brackets, including slide-out brackets
• Trailers designed to be pulled behind a snowmobile
• Custom paint, engine modifications, suspension/springs
• Exhausts, racks, saddlebags, hitches, seats/backrests, windshields
• Safety apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)
• Plow blades or winches
We recommended you retain photos of the snowmobile and all receipts for accessories on your snowmobile.
Roadside Assistance coverage provides necessary labor at the place of disablement, and towing to the nearest qualified repair facility, when your snowmobile is disabled within 100 feet of the roadway due to any of the following:
• Mechanical or electrical breakdown
• Dead battery
• Lockout ("lost key")
• Insufficient supply of fuel, oil, water or other fluids
• Entrapment in snow, mud, water or sand
When you're searching for affordable snowmobile insurance rates, remember the discounts you could receive. For instance, if you insure more than one sled with us, you could qualify for a discount. Or, if you're a safe snowmobile rider, you could receive a lower snowmobile insurance rate since we also consider your driving record. Here are a few other snowmobile insurance discounts we offer:
• Claims-Free Renewal – Receive an automatic discount if you have no at-fault accidents during your previous policy period.
• Homeowner – Get discounted snowmobile insurance rates if you own your own home.
• Prompt Payer – Pay on time for a year and receive a discount on your snowmobile insurance rate when your policy renews.
• Responsible Driver – No accidents or violations on your driving record for the last three years translates to a discount on your snowmobile insurance rate.
• Safety Course – Completing an approved safety course could earn you a discount.
Not all companies we represent offer these discounts.
This information is general information to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. Please speak to one of our licensed insurance representative and read your policy contract to fully understand your coverages.