What Coverages Are Included in Snowmobile Policies?
Many of the coverages included in snowmobile policies mimic those found in auto insurance policies. For example, both types of policies frequently make available:
- Bodily Injury Liability Coverage, which often covers injuries sustained by people not on an insured snowmobile or in an insured vehicle
- Personal Injury Protection, which often covers injuries sustained by people on an insured snowmobile or in an insured vehicle
- Property Damage Liability Coverage, which often covers damage caused to others’ property
- Comprehensive and Collision Coverage, which often covers damage sustained by an insured snowmobile or vehicle
- Uninsured and Underinsured Motorist Coverage, which often covers accidents caused by inadequately insured individuals
In addition to these coverages, many snowmobile policies also offer accessories coverage. This coverage frequently helps snowmobilers protect their aftermarket parts, safety equipment and trailer. Accessories coverage is less common in auto policies.
(Policies’ exact coverages and the protections that those coverages provide can vary.)
Do Snowmobile Policies Offer Roadside Assistance and Towing?
Some snowmobile policies make an emergency assistance program that includes towing available as an optional add-on. When comparing these programs, snowmobilers should check whether the towing includes towing from trails or only cover towing once a broken-down snowmobile is brought to the side of the road. An insurance agent who specializes in snowmobile coverage can help snowmobilers compare policies’ different programs.
Who in Massachusetts Needs Snowmobile Coverage?
Most Massachusetts residents who own a snowmobile should consider getting a snowmobile policy. The potential costs associated with covered incidents can be expensive without any coverage in place.
Additionally, snowmobilers who travel to other states may need insurance that at least meets those states’ minimum requirements. Vermont, for example, requires all snowmobilers who travel on state trails to carry minimum levels of coverage.
How Much Does Snowmobile Coverage Cost?
Generally speaking, snowmobile policies are quite affordable. Exact rates depend on many factors, but snowmobilers are often able to get robust coverage at a reasonable price. This is especially true if they compare policies with an independent agent, for an independent agent can get quotes from multiple insurance companies and show snowmobilers which insurer is offering the best rates for the coverage that’s needed.
In some cases, snowmobilers may be able to take advantage of discounts that help reduce their premiums. One common discount is a multi-policy discount. Many insurance companies offer this discount, and snowmobilers can usually take advantage of it since they normally need at least one other type of insurance.