Q&A: Snowmobile Insurance

Snowmobile insurance can be a confusing policy to many people, so we are here to answer the most common snowmobile insurance questions you may have. 

Q: Is snowmobile insurance legally required?

A: The most common question for almost all insurance policies. Depending on which state you live, snowmobile insurance may not be required. In New York, however, it is mandated! But if you are to get into an accident, you will be on your own and face the financial repercussions. It just makes sense to have.

Q: What does snowmobile insurance cover?

A: Snowmobile insurance covers:
It covers the basics like

  • Comprehensive
  • Collision
  • Bodily injury liability
  • Property damage

But you can also purchase more specific coverage like

  • Uninsured/underinsured coverage
  • Accessory coverage (things like helmets, windshields, custom seats, eyewear, et cetera)
  • Towed trailer and transport trailer coverage
  • Year-round coverage, should your snowmobile be damaged or stolen during the off-season

Q: Does snowmobile insurance cover passengers?

A: Some policies do, others do not unless you specifically purchase that coverage. If you plan on taking passengers, review your policy in regards to this matter.

The right auto insurance policy to keep yourself protected on the road is what you need to make sure those claims don’t break the bank. Contact insurance experts Perry & Carroll in Elmira, New York for all of your car insurance coverage needs.