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What Types of Snowmobile Insurance
Coverage Are Available?

Protect yourself and riders of your snowmobile.Is the freshly-fallen snow calling? Do white outs and packed powder trails get your adrenaline pumping? Snowmobiles and other off-road "toys" are certainly fun, but may also make you susceptible to insurance risk through snowmobile accidents. When the trails call, it's nice to know you have the peace-of-mind that you have adequate snowmobile insurance.

These are the basic types of insurance for snowmobile owners:

BODILY INJURY AND PROPERTY LIABILITY: This type of coverage provides insurance for injury to people or others' property caused by your snowmobile. It also provides protection of your personal assets, up to a pre-determined limit, in the case of legal actions based upon bodily injury or property damage that you inflict while driving your snowmobile.

If your limits are 15/30/10, this means:
  • No more than $15,000 would be paid per person for Bodily Injury
  • No more than $30,000 would be paid per accident for Bodily Injury
  • No more than $10,000 would be paid per accident for Property Damage

COLLISION: This type of coverage is damage sustained by your snowmobile itself. Structural damage, typically the results of hitting another snowmobile, a tree, fence, or other obstacle, is covered with Collision Insurance. There is typically a deductible amount which you must pay in each instance of making a claim against your policy.

COMPREHENSIVE INSURANCE: This insurance coverage is typically for non-operating-related claims ... that is, damage to your snowmobile not sustained during its normal use. These types of incidents include theft, fire, a flood, vandalism, or if you hit an animal. There is typically a deductible amount which you must pay in each instance of making a claim. After the deductible is paid, the insurance will pay the balance of your claim.

ROADSIDE ASSISTANCE: Typically your sled must be disabled within a specified distance of the roadway. This coverage provides for labor, towing to a qualified facility due to the following:

  • Mechanical or electrical breakdown
  • Dead battery
  • Lockout ("lost key")
  • Insufficient supply of fuel, oil, water or other fluids
  • Entrapment in snow, mud, water or sand

UNINSURED AND UNDERINURED MOTORIST AND RIDER: If the person at fault in your snowmobile accident is uninsured or does not have adequate insurance, this type of insurance will pay for all medical bills, lost wages, etc. which are legally the responsibility of that uninsured/under-insured party. If your injury expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. This type of insurance is typically written with an upper limit, which you may specify.

Cole Harrison Insurance would like to help you with obtaining snowmobile insurance. Please call one of our agents today.

83 Main Street, Kennebunk, ME · 207-985-3361 / 27 Walker Street, Kittery, ME 03904 · 207-439-5981
Valley Crossing Building, Little Poplar Stream (off Rte 16), Carrabassett Valley, ME 04947 · 207-235-2642

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