Why Should I Have Snowmobile Insurance?

Did you know that in 2016 there were 321,669 registered snowmobiles? Did you also know there are 6,200 miles of designated trails in Michigan? That’s a lot of snowmobiles and a lot of land to enjoy a snowy ride and have fun in white powdery snow. With that much land, and that many snowmobiles, that’s also a lot of chance for accidents, injuries and snowmobiles breaking down. Many of the misfortunes that could occur while snowmobiling can be more manageable with snowmobile insurance. If you’re wondering why you should have snowmobile insurance, here are a few good reasons:

With the right coverage you could get reimbursement to replace your sled if it is lost or stolen. Coming up with the money to replace your sled or cover a loan may not be easy. Comprehensive coverage takes the worry out of a fun sport!

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If you have collision coverage, which is optional in some cases, you may be able to file a claim for damages to your snowmobile, whether it is caused by another person, collision with an object, or if you fall through the ice.

Adequate liability insurance can cover you if you are sued for causing damage or injury to another rider. This coverage can give you peace of mind so that all you need to think about is having fun on the trails.

Medical coverage could help protect you from medical expenses if you are injured while snowmobiling. The cost of injuries in a snowmobile accident could be catastrophic. After an accident the most important thing for you to do is heal. You shouldn’t have to worry about medial bills.

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There are a lot of extras that you can add to your snowmobile policy: accessory coverage, year-round coverage, after-market parts and accessories, towing, transport trailer coverage. Make sure to ask your agents about these options.

With snowmobile insurance you’re covered for all kinds of situations so ride safe and enjoy the 6,200 miles of Michigan trails!

Karlee Miller
Creative Administrator
&
Christina Jarvis
Customer Service Rep.

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