It is that time of year again. The weather is cold and the snow is starting to fall in areas across the country. If the new, powdery snow gets you excited to go snowmobiling, you should take a moment to consider whether or not you have Snowmobile insurance.
Snowmobile insurance is not mandatory in all states, but it’s a good idea to have coverage. When you are riding at high speeds or are on trails within unfamiliar territory, insurance offers you protection should an incident occur. Due to the high speed capabilities of snowmobiles, an accident could result in severe injuries to you, any passenger and others. It surely will result in damage to the sled. If you go out riding and are involved in an accident, your insurance coverage will leave you with one less thing to worry about.
Snowmobile insurance coverage is similar to auto insurance coverage. There is often coverage for physical damage as well as for liability coverage. The cost of your policy will vary on a few factors, such as the make and model of your snowmobile, your completion of safety courses, and your experience driving the snowmobile. You will also need to consider your trailer, any parts, and if you want coverage during the off-season.