Snowmobile Insurance: It Could Save You Thousands
Do you spend your winters zipping through the freshly fallen snow on the back of your snowmobile? Germantown, Wisconsin, and the surrounding areas see approximately 100 inches of snow or more every year. With scores of nearby trails, it is enough to keep an avid snowmobiler busy all season. It’s no wonder there are more than 225,000 registered snowmobiles in Wisconsin alone.
It may sound like your idea of a good time, but it is important to take the proper precautions to ensure you are protected in the event of an accident. Even if you only use your snowmobile recreationally or a few weekends a year, snowmobile insurance could save you thousands in bodily injury and property repair costs. Click here to read more about the risks of riding a snowmobile and by it is important to insure yourself before riding.
Dangers of Snowmobiling
According to the Insurance Information Institute, which cited data from the National Safety Council, more than 65,000 people visited emergency rooms in 2012 as a result of injuries sustained while participating in winter sports, including snowmobiling. Unfortunately, thousands of injuries and numerous fatalities occur every year in association with snowmobile accidents.
Imagine that you are riding alongside a highway on the back of your snowmobile while abiding all laws and ordinances regarding your vehicle. As you round a corner, you suddenly lose control and collide with a parked vehicle that has pulled off to the side of the road. Your snowmobile is totaled; the vehicle has significant damage, and you are severely injured.
With today’s snowmobiles costing upwards of $10,000 or more, would you have the cash to replace your craft? What about the cost of repairing the vehicle you collided with? Don’t forget about your health insurance deductible, hospital bills, and the cost of replacing any damaged safety gear, such as jackets, bibs, and a helmet.
When you are involved in a collision involving a snowmobile, you are responsible for any damages caused as a result of the accident. That means you could be on the hook for all liability expenses, including the property loss and the bodily injury of others, as well as any personal losses you sustain. Even if you are hit by another rider, you may find yourself facing large bills if the driver of the vehicle is uninsured or underinsured.
Types of Snowmobile Insurance in Wisconsin
Wisconsin snowmobile insurance policies are specifically designed to meet the unique needs of snowmobile riders. They work similarly to auto insurance policies, in that they offer two types of coverage – liability and physical damage.
Liability insurance covers expenses caused by the bodily injury or property loss of others. This may include medical bills, lost wages, and rehabilitative expenses, as well as court costs and any judgments or settlements for pain and suffering. Liability is also designed to repair or replace any property you may have caused damage to, whether a stationary object like a fence or tree, or a vehicle in motion, such as another snowmobile.
Snowmobile insurance coverage is also available to protect you from any losses sustained in an accident. It typically pays to repair or replace your own snowmobile and can include coverage that extends to your trailer and accessories. Your policy may also provide coverage for medical payments, and underinsured motorist, and non-accident related claims, such as theft or vandalism.
Request Your Snowmobile Insurance Quote
If you live in Germantown, Wisconsin, or the surrounding communities of Mequon, Thiensville, Menomonee Falls, or Hubertus, contact our office to discuss your snowmobile insurance options. We can help you evaluate your personal risk profile and determine how much coverage you need to protect yourself in the event of an accident.
Even if you have existing snowmobile insurance, you may have gaps in coverage that leave you vulnerable to liability or personal losses. We can help evaluate your plan and pinpoint weaknesses in your insurance protection. We can also help you find a policy that covers the many risks that come with owning and operating a snowmobile in Wisconsin.
Call us today to request your free, no-obligation quote. We look forward to serving you soon.