Most snowmobilers are well aware (and have made their peace with) the various risks that come with riding their winter cruisers. What you might not know are the right snowmobile coverages to help you best prepare and recover from them. No worries — we've got a fresh-powdered primer on all the amazing options right here.
It depends on where you live. Some states require at least liability coverage, while others don't. Check with your state government to find out for sure. However, there are tons of benefits to getting or even increasing snowmobile insurance coverage.
Causing a snowmobile accident can be scary. But having ample liability insurance (whether required in your state or not) can let you ride a bit more confidently. Liability coverage goes toward others' injury and property damage bills when you're at fault in an incident.
As a general rule, get as much liability protection as you can comfortably afford to best protect your savings.
Medical payments coverage
All riders can use some peace of mind when it comes to their health. With medical payments on your side, you and your passengers can get help covering snowmobile-related injuries within the first 3 years after the accident.
Some plans might require you to reach your health insurance limit before tapping into medical payments coverage.
Comprehensive and collision coverage
If you're a serious rider (or plan to be), you need a serious snowmobile. Problem is, top-of-the-line sleds can run upwards of $15,000 — so how do you hit the slopes without worrying about what every little scratch might cost?
Easy, with comprehensive and collision coverage. These options help repair damage from a crash or falling debris, or even replace your snowmobile if it's stolen (provided your snowmobile was made after 1981).
Towing and labor coverage
Towing and labor coverage can help get your snowmobile to a service shop if it breaks down within 100 feet of the roadway.
Transport trailer physical damage coverage
Before you can hit the trail, you have to get there first. Good thing you can get up to $10,000 in coverage for your transport trailer when you get comprehensive and collision coverage, so you don't have to worry about an accident spoiling your snowmobiling fun before it even begins.
Optional equipment coverage
If you use your snowmobile for work, you likely want reliable coverage for items like cargo racks, saddle bags, and gripper skis. And even if you're all recreation, odds are you have apparel and performance items of your own to keep your ride fun and safe.
With Esurance snowmobile protection, you get $3,000 for your accessories automatically when you buy comprehensive coverage or comprehensive and collision coverage. And if you need more, you can go as high as $30,000.