Snowmobile Insurance in Massachusetts

What is Snowmobile Insurance?

Snowmobiling is a fun sport that many Massachusetts residents enjoy during the winter. It’s also a sport that involves an inherent level of risk, though. According to one study, snowmobile accidents are responsible for about 14,000 injuries and 200 deaths nationwide each year. Snowmobilers should employ safe practices to help reduce the risk of accident while out on a snowmobile, but they should also purchase snowmobile insurance in case there is an accident.

Snowmobile insurance is a specialized form of insurance that’s specifically designed to protect snowmobiles and the people who ride them. Most snowmobile policies are written as package policies, meaning they have a combination of coverages that provide different protections.

What Coverages Do Snowmobile Policies Offer?

The coverages included in snowmobile policies can be separated into snowmobile property insurance coverages and snowmobile liability insurance coverages.

Snowmobile property insurance coverages generally protect a snowmobile and equipment on it. The property coverages that a policy may provide include:

  • Comprehensive Coverage, which may protect a snowmobile from damage caused by incidents other than collisions
  • Collision Coverage, which may protect a snowmobile from damage caused by a collision involving two or more moving vehicles (normally including snowmobiles)
  • Accessories Coverage, which might protect aftermarket upgrades, protective equipment and a trailer

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Snowmobile liability insurance coverages normally protect a snowmobiler in covered situations where they’re responsible for causing physical injury or property damage. The snowmobile liability insurance coverages that a policy might offer include:

  • Property Damage Liability Coverage, which might cover damage caused to other people’s snowmobiles or other property
  • Bodily Injury Liability Coverage, which might cover injuries caused to people who aren’t on a policyholder’s snowmobile
  • Personal Injury Protection, which may cover injuries sustained by a snowmobiler and their passengers

In addition to these coverages, snowmobile policies also frequently have uninsured or underinsured motorist coverage. This coverage may help pay for damage or injuries caused by another snowmobiler or a driver who doesn’t have adequate liability insurance coverage.

Some snowmobile policies have roadside assistance available as an optional protection. This service can help snowmobilers get to a repair facility if their snowmobile breaks down while out on the trails -- often even if they aren’t near a road when the snowmobile breaks down.

Who in Massachusetts Needs a Snowmobile Policy?

Any Massachusetts residents who own a snowmobile they intend to use should carry a snowmobile policy that meets the state’s minimum insurance requirements. In order to legally use a snowmobile in the state, snowmobilers must register their snowmobile and provide proof of insurance. Anyone who fails to purchase adequate insurance may be ticketed and fined, and they could be personally responsible for damages or injuries if they cause an accident.

Carrying insurance will also let residents bring their snowmobiles to other states that require snowmobilers to have insurance.

Do Snowmobiles Need to Be Insured in the Summer?

Even though they aren’t typically ridden in the summer, snowmobiles should still be insured when they’re in storage. Dropping a snowmobile’s insurance policy can leave an owner without protection if their snowmobile is damaged while in storage.

Snowmobilers may be able to reduce their insurance coverages over the summer while they aren’t using their snowmobiles. As long as a snowmobile won’t be in use during the warmer months, it might be possible to reduce a policy to comprehensive-only coverage for the offseason. Before doing this, however, snowmobile owners should talk with an agent to make sure they’re following all legal insurance requirements and still have adequate protection.

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How Can Snowmobilers in Massachusetts Get Snowmobile Insurance?

For help finding snowmobile insurance, snowmobilers should contact an independent insurance agent in Massachusetts. It is important to find an agent that is very familiar with writing policies for snowmobiles to ensure you get the best possible protection for your situation.

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