Do you need it? What kind should you get?
With winter around the corner, you may be thinking about either purchasing a snowmobile or considering whether or not to have your existing one insured. Is it really necessary? Consider this—these vehicles move at such speeds that it’s very possible to get injured, cause injury to someone else, or damage another’s property with your snowmobile. If you’re not covered by insurance, it’s possible that you could suffer a financial disaster if you’re faced with a lawsuit.
How risky is snowmobiling?
The statistics underscore the risk. Snowmobiles weigh more than 600 pounds and can reach speeds of 90 mph. Therefore, it’s hardly surprising that snowmobiling results in more than 200 deaths and nearly 14,000 accidents every year.
Other factors to consider
To decide if snowmobile insurance is right for you, consider where you’ll be using your snowmobile and how often. If you ride on an open lake, there are additional dangers, such as obstructions like twigs or areas where the water hasn’t frozen completely over. If you’ll be riding down hills, there could be trees or stumps sticking out of the ground—all potential hazards that could injure you, someone else or damage your snowmobile.
When determining the costs of your snowmobile insurance, the insurance company will take the following factors into consideration:
- The state where you live – Some states require mandatory insurance, while others do not.
- The make and model of your snowmobile – Is it a newer model with more safety features?
- The places where you’ll ride it – How high is the risk? What kind of terrain?
Other factors include:
- your age
- your deductible
- the types of coverage you’re requesting
Packages can range from $300 to $400 per year.
What kinds of snowmobile insurance coverage can you get?
You can get collision, comprehensive, property damage and bodily injury coverage.
There are other options available to you, which will protect you from insured and uninsured drivers. This coverage is critical in case another person causes an injury or damage to your snowmobile and they can’t pay medical and other costs.
You can also get year-round coverage if you’re concerned about your snowmobile getting stolen during the off-season.
To handle the costs of potential lawsuits, there is additional collision and increased liability coverage available. Consider adding these coverages, because if you should cause an accident and someone sues you, it could be financially devastating.
Last but not least, if you get parts added to your vehicle after you purchase it, you can get special coverages. These may also include coverage for your helmet, eyewear, customized seats and other accessories.
Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.
For more information about motorcycle, car, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.
Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.