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