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Should You Insure Your Snowmobile?
2 Jul, 2018
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Should You Insure Your Snowmobile?

You may be wondering whether or not it’s necessary for you to purchase snowmobile insurance to enjoy recreational use. While it might not be required by law for you to have insurance if you’re only using your snowmobile on private property, it’s likely to be required if you plan on using it in a public domain. The laws in your area dictate what auto insurance requirements you need to meet in order to keep your vehicle on the road. Likewise, your area’s laws will dictate what your responsibilities are in terms of snowmobile insurance. It’s important for you to do some research in order to keep up with your obligations.

Snowmobiling is a fantastic winter hobby, but it does come along with some responsibilities and risks. To have peace of mind, you should insure your snowmobile regardless of the bylaws in your area. Not sure the benefits of snowmobile insurance is worth your while? Here are a few reasons why you should think about insuring your snowmobile.

Protect Yourself Physically

Insurance can protect you when you incur a physical injury while using your snowmobile. Accidents happen, and they can bring about the necessity for hospital visits and treatment for injuries like broken bones. Snowmobiling can lead to injuries for the snowmobile owner, other snowmobilers out on the trails, and bystanders. It’s important that you have some medical liability coverage as part of your insurance to protect yourself and others while out on the trail.

Legal Obligations

Insurance can ensure that you meet the legal responsibilities of owning a snowmobile. Those who ride a snowmobile in public areas without insurance could be subject to penalties and fines. By discussing insurance with a qualified insurance provider, you can become aware of what your responsibilities are in order to operate a snowmobile legally. If you are caught riding a snowmobile publicly without the required insurance, your vehicle might be confiscated from you and you may be subject to hefty fines in order to be able to regain possession. Steer clear of legal issues with adequate insurance coverage.

Protect Yourself Financially

Insurance can allow you to recover the money you’ve invested in snowmobile ownership. An accident can completely destroy your snowmobile. If you’ve spent a considerable amount of money in order to purchase your snowmobile, this could be a huge financial burden. You can choose an insurance policy that will compensate you for any damage to your snowmobile. Depending on your coverage, the insurance provider can return to you the full value of the snowmobile. If the snowmobile is partially damaged, the insurance provider can compensate you for the costs of repairs.

Protect Yourself Against Liabilities

Another liability issue that can arise for those who enjoy recreational snowmobiling is property damage. If you ride your snowmobile and cause damage to another person’s property, you will be held liable for those damages. Any basic liability coverage policy for snowmobile users should provide compensation and financial protection for property damage.

Choosing the Right Insurance Policy for Your Snowmobile

There are many options from which you can choose when you are selecting an insurance policy to protect your snowmobile. When you’re looking for the right policy for your unique situation, you’re going to want to research a lot of different factors from liability to collision coverage and find out exactly what they’ll cover. You’re also going to want to shop around in order to find the best premiums out there.

There are different coverage limits for different policies that are available. It’s important to pay attention to coverage limit. The coverage limit can inform you of whether or not a particular policy will be adequate for your needs. If the policy coverage limit is too low, you can find a policy with a higher coverage limit. However, you should note that the more coverage you have, the higher your premium will be.

Insurance coverage for snowmobile use is always a good idea. Even if you are only using your snowmobile on your own property and are not required by law to have insurance, insurance can still compensate you for any physical injuries you suffer using as well as any damage to your snowmobile. Explore your options and find the right snowmobile coverage for your situation.

For more information about how to choose the right auto insurance policy, call WB White Insurance at 877-420-4572 or contact us here.

Jason Famme

Jason’s career in insurance began long before his official start in 2003. Jason is the fourth generation to own and operate W.B. White Insurance. As Leader with Insurance Brokers Association of Ontario, Jason has been a guest speaker and advisor to many events, including as a guest to speak with MPP’s at Queens Park regarding insurance industry topics.

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Oshawa Office 110 King Street East
Oshawa, Ontario, L1H 1B6

Lindsay Branch Office 16 Russell Street West
Lindsay, Ontario, K9V 2W7