Snowmobile Insurance in Maine
Allen/Freeman/McDonnell Agency
Snowmobile Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Snowmobile insurance provides tailor-made coverage for snowmobiles. Policies often can protect snowmobiles and their riders from a variety of risks.
In cases where snowmobiles are leased or financed, riders might be required to carry certain coverages that protect the snowmobile itself against damage. Protection against both snowmobile damage and liability risks is usually recommended regardless of any such requirement, though.
- Bodily Injury Liability
- Personal Injury Protection (PIP)
- Property Damage Liability
What is snowmobile insurance?
Snowmobiling through Maine’s backwoods trails is an exhilarating way to enjoy the long winter, but traversing snow and ice at speed isn’t without risk. Riders should always don the appropriate safety gear and obey trail rules. It’s also normally a good idea to have snowmobile insurance.
Snowmobile insurance provides tailor-made coverage for snowmobiles. Policies often can protect snowmobiles and their riders from a variety of risks.
Which Maine residents need to have snowmobile liability insurance?
Although Maine generally doesn’t require snowmobile liability insurance, coverage is broadly recommended. A single accident could be financially devastating if no policy is in place.
In cases where snowmobiles are leased or financed, riders might be required to carry certain coverages that protect the snowmobile itself against damage. Protection against both snowmobile damage and liability risks is usually recommended regardless of any such requirement, though.
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What protections does snowmobile liability insurance afford?
Liability coverages generally insure against situations where the policyholder could be liable, or financially responsible, for harm to another party. In the case of snowmobiles, liability coverages mainly insure against accidents where the rider is at fault.
This protection is often structured through a few different snowmobile liability insurance coverages:
- Bodily Injury Liability: Normally covers injuries to individuals who are not riding the snowmobile, such as bystanders, other snowmobile riders, or drivers in vehicles.
- Personal Injury Protection (PIP): Normally covers injuries sustained by individuals who are riding on the snowmobile, including the operator and any passengers.
- Property Damage Liability: Normally covers damage inflicted on third-party property, such as other snowmobiles, vehicles, fences, buildings or other property.
What additional protections do snowmobile policies have?
Beyond liability coverages, snowmobile insurance policies offer a few additional protections. These primarily insure the snowmobile against damage and cover uninsured riders. Some other important coverages to consider are:
- Collision Coverage: Usually protects the snowmobile if it’s damaged during a collision with at least one other snowmobile or a vehicle.
- Comprehensive Coverage: Usually protects the snowmobile against damage during non-collision incidents, like theft, fire and falling objects.
- Accessories Coverage: Usually protects trailers, aftermarket upgrades and safety gear associated against damage or loss.
- Underinsured and Uninsured Motorist Coverage: Usually protects against collisions with snowmobilers or drivers who lack adequate insurance coverage.
Is roadside assistance available for snowmobiles?
Roadside assistance is an option offered by some snowmobile policies. The option may provide free towing if a snowmobile breaks down.
Before purchasing roadside assistance, riders should check where their snowmobile can be towed from. Some policies might only tow from roadsides, while others might tow even if a snowmobile is on a trail when it breaks down.
A specialized insurance agent who’s familiar with snowmobile
How much does it cost to insure a snowmobile?
Insurance premiums for snowmobiles vary, as they’re contingent on factors like:
- Year, make and model of the snowmobile
- Where the snowmobile is used and stored
- Whether the main rider has been in accidents recently
- How old and experienced the main rider is
Comparing quotes with an independent insurance agent is an easy way to find out how much insuring a specific snowmobile will be.
Is it necessary to maintain a snowmobile policy during the summer?
Canceling insurance during the warmer months may be tempting, but it can backfire in unexpected ways. If a policy is outright canceled, riders could get no reimbursement for damage that occurs while their snowmobile is in storage. They also could see higher premiums next winter if there’s a gap in coverage.
To avoid these pitfalls, riders are usually better off adjusting coverages but not canceling them altogether. A knowledgeable insurance agent can help adjust coverages, so premiums are reduced but important protections don’t go away.
How can Maine riders get snowmobile insurance?
If you need help insuring a snowmobile that’s in Maine, reach out to the team at Allen Freeman McDonnell Agency. Our independent insurance agents will work closely with you to find a snowmobile policy that offers robust and affordable protection.
