We can help you cruise through the coverage you need to
ensure years of snowmobiling pleasure in the future.
A typical snowmobile insurance policy includes the following:
Bodily Injury and Property Damage Liability (BI/PD): Covers liability for an accident involving injury to other people or property, up to your liability limits. If your limits are 100/300/100, no more than $100,000 would be paid per person for bodily injury, no more than $300,000 would be paid per accident for bodily injury and no more than $100,000 would be paid per accident for property damage.
Comprehensive and Collision Coverage: Policy pays to replace or repair your snowmobile if it is stolen or damaged, regardless of who is at fault. You select and pay a deductible and then the insurance carrier pays the remainder. Collision coverage applies if you hit a nonliving object or other vehicle. This coverage also pays for damages caused by events other than collisions, such as fires, theft or vandalism.
Uninsured/Underinsured Motorist: If you get into an accident with someone who is uninsured or underinsured and you were not the at-fault party, the policy will pay for your medical treatment.
Roadside Assistance: Policy covers the labor needed for repairs and towing to the nearest repair facility if your snowmobile is disabled.
Accessory Covered: Policy covers items that were not originally manufactured on the vehicle, altering the appearance or performance of the snowmobile. This may include trailers, custom modifications, seats/backrests, exhausts, etc.
Do I Really Need to Purchase Coverage?
Snowmobiles are primarily used on off-road terrain, over frozen bodies of water and alongside roads. As a result, they generally operate at high speeds and are prone to accidents and theft. In addition, many snowmobiles are customized, so it is difficult to establish their value after a loss. Contact The Richards Group to learn more about your specific risks and how to protect against them.
Contact a specialist today to get a free consultation for your Personal Insurance needs.