If you are living in a mountainous or wooded area, a snowmobile is pretty much a must-have piece of equipment. Not only are they a blast to ride, but they can also serve as a great utility vehicle around the homestead. There are many time and money saving uses for a snowmobile that make them worth the cost that averages about $11,000 for a new one. Just like having auto, boat, or motorcycle insurance, having a good policy on your snowmobile can save you money in the long run.
Damages to Your Snowmobile
It’s certainly no secret that ripping up or down a snow covered mountain trail is an awesome adventure, but occasionally, most riders will clip a tree and damage their machine.
Having collision coverage will help offset the cost of repairing your baby when if it gets away from you and is damaged. It can get expensive to pay repair bills out of pocket so talking to your agent about getting the coverage you need when mistakes happen.
Liability Insurance
For most riders, there will come a time when you accidently run into another rider and accidents can be serious. If you’re responsible, the rider you hit and hurt is going to expect you to pay for injury expenses and maybe even time off from work. Make certain you have adequate coverage limits, or you may find yourself at the bad end of a lawsuit that could be financially devastating. It can easily get worse if you hit more than one person or snowmobile.
Uninsured/Underinsured Driver
Unfortunately, there are a lot of snowmobile riders out there with minimum coverage or no coverage at all. If they lose control and run into you causing injuries, they probably will not have the money to pay your medical bills. This is when uninsured rider coverage that you carry will pick up the costs for your injuries caused by another rider. This coverage could easily be a financial life-saver when the hospital and doctor bills start coming in the mail.
Theft Coverage
There is nothing worse than to discover that your baby has been stolen. It happens. Just like with cars, motorcycles, and boats, greedy people will take what they can whenever they can. The comprehensive coverage in your policy will replace that trail-screamer so you can get back on the mountain. Remember, your comprehensive coverage pays the actual cash value of the machine so you’ll only be out of pocket a small amount of money.
What About Your Trailer?
The good news is that you can elect to cover your trailer with the same money-saving coverage you have on the snowmobile. It’s pretty difficult to put a snowmobile in the back of your pickup so make sure your trailer is also covered.
The Odds and Ends
A good snowmobile policy will also provide coverage for things like helmets, custom seats, goggles, windshields, and other riding gear. It’s more than likely if your snowmobile is ripped-off, the culprits will get your odds and ends as well. Make sure they’re covered so you’ll get the money to replace them.
Yes, a good snowmobile policy can save you some big-time money over the life of your machine. Things happen that cost money and the best way to offset your out-of-pocket costs is to invest in a good snowmobile insurance policy from a reputable company.