For many people a favorite winter activity is snowmobiling! But as fun and enjoyable it is, it can also be a risky sport! There have been numerous incidents with snowmobiles which have caused bodily harm or damage to the machine. This harm can be really heavy on the pockets if there is no insurance coverage! For ardent snowmobiling enthusiasts having snowmobile insurance is a must! Although it is not a requirement in every state or in every recreational park, it is best to have insurance since these machines are expensive and at times can be very unpredictable. What would you do, if your snowmobile acts up in the middle of a ride and collides with another snowmobile? You’d have to pay a handsome amount for snowmobile repair and also for any bodily harm that may occur to riders or onlookers. By having snowmobile coverage you feel financially safe and able to enjoy the snow without worrying.
There are a number of snowmobile insurances that you can buy according to your needs and wants. The lowest start from about $80/year and can go up to about $400/year. Most basic snowmobile insurances cover Collision, Bodily injury liability, Comprehensive and Property damage liability. Depending on the type of insurance and the company you choose, there can be added coverage such as towed trailer coverage, year round coverage which insures your snowmobile during off season, and even some that cover accessories including eyewear, helmets, and clothing. The coverage you purchase will depend on your needs and your budget.
When getting snowmobile insurance, it is best that you first find out your state requirements (Check states for required insurance, registration laws, helmet laws, permits required, road usage laws, and speed limits.) Remember – snowmobiles are expensive machinery and without insurance, it could end up being a bad investment. All insurance companies offer different rates and packages, before you settle on a particular package, be sure you understand all the terms and conditions. Obtain quotes from several agents and then settle on one.
Happy winters and snowmobiling.
For an experienced insurance agent, contact Greg Suggs Insurance Agency at 919-875-8889.
