Snowmobile insurance typically helps cover you and your sled in a number of ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.

Regardless of skill level or experience, every snowmobile driver needs snowmobile insurance. Hitting the snow without adequate coverage could mean you are unprotected against medical payments and collision costs in the event of an accident.

What are the different types of Home Insurance coverage?

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Collision Coverage

Pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.

Comprehensive Coverage

Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals. This coverage also protects custom parts and equipment.

Uninsured Motorist Coverage

UM coverage helps protect you and your snowmobile from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Underinsured Motorist Coverage

If you’re in an accident with a driver who does not have enough insurance to cover the costs of an accident, this coverage steps in. Coverage is subject to policy provisions and limits.

Bodily injury liability

If you cause an accident on your snowmobile and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.

Property damage liability

This snowmobile insurance coverage helps pay for damages to another person’s vehicle or property if you cause an accident. Most states require liability coverage.

OEM endorsement

This policy add-on helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is unavailable, payment will be issued based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.