Snowmobile Coverage
It’s Time to Hit the Powder!
Snowmobiles present many hazards to drivers, passengers, motorists and properties. Before the temperatures cool and you get eager to hop on your snowmobile, learn more about how you can insure your vehicle and protect yourself and others.
Coverage Basics
A typical snowmobile insurance policy includes the following:
- Bodily injury and property damage liability (BI/PD) — Covers liability for an accident involving injury to other people or property up to your liability limits. If your limits are 100/300/100, insurance pays no more than $100,000 per person for bodily injury, $300,000 per accident for bodily injury and $100,000 per accident for property damage. Contact us if you have questions about how this works or about what limits are right for you.
- Comprehensive and collision coverage — Policy pays to replace or repair your snowmobile if it is stolen or damaged, regardless of who is at fault.
- Uninsured/underinsured motorist — If you get into an accident with someone uninsured or underinsured and you were not the at-fault party, the policy pays for your medical treatment.
Your Risks
- Snowmobiles are primarily on off-road terrain, over frozen bodies of water and alongside roads. As a result, they generally operate at high speeds and are prone to accidents and theft.
- Many customize their snowmobiles, making it difficult to establish their value after a loss.
Snowmobiling can be dangerous, so don’t take chances with your insurance. We can help identify your specific risks and how to protect against them.
Call Access Insurance Group Ltd today at 780.435.2400 to learn more about our insurance solutions for your recreational, home and auto needs.