Understanding Snowmobile Insurance
There are many winter wonderlands to explore on your snowmobile, so make sure you’re covered wherever you ride. A standard Snowmobile Insurance policy covers injuries and damages to the other party if you’re in an accident that you caused. However, any injuries or damages you incur will not be covered unless you have also added Collision and Comprehensive coverage. Sometimes accidents happen, but you don’t have to be left out in the cold when you have the right coverage.
What Does Snowmobile Insurance Cover?
This covers physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.
This coverage pays for damage or destruction including loss of use of a Third Party's property. Reduction in value is the measure of property damage.
Collision coverage pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This coverage is often subject to a deductible.
Comprehensive coverage pays for direct and accidental damage to the insured's automobile other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.
A carrier may offer Guest Passenger Liability as a separate coverage, which would cover injury to a passenger in an accident which was the fault of the operator of the snowmobile the passenger was riding.
This provides coverage for the operator and passenger(s) of a vehicle when injured in an accident which is the fault of someone that carries no insurance or not enough insurance. It covers bodily injury and may cover property damage depending on the state.
This is an optional coverage that pays for the medical expenses of the named insured, members of his/her family, and passengers of his/her vehicle if injured in a collision accident. The named insured and relatives are also covered if struck as a pedestrian. This coverage is excess to any other medical insurance.
AIS Insurance Is With you On and Off Trails
When it comes time to put together the right insurance package for your snowmobile and trailer or RV, let AIS find you the right coverages from dependable national carriers who know the terrain. Our snowmobile coverage is an annual policy that continues during the "off-season" and provides year-round protection for your snowmobile. You may also be eligible for a discount when you bundle two or more RV Insurance products.
Let AIS help you customize the right policy for your adventures. Call us today at (800) 449-8943 or provide some basic information online and let us contact you for a free quote.
Additional RV Insurance Coverages to Bundle
Wouldn’t it be great to save money insuring your motorhome, travel trailer, or other outdoor vehicle and all of its assets under one roof? AIS is the insurance house that finds affordable coverage for a wide variety of products. We compare the best rates from multiple trusted carrier partners, so you know you’re getting the best protection for the best price.