Riding on snowmobile trails is a great way to enjoy Massachusetts’s outdoors during the winter, but the sport comes with certain risks. To help financially protect against a worst-case scenario, snowmobilers would generally be wise to get snowmobile insurance.
Snowmobile insurance is a specialized insurance designed to safeguard snowmobilers against the inherent risks associated with the sport. Policies can protect both snowmobiles and their riders.
Purchasing a snowmobile policy is generally a prerequisite for registering your snowmobile in Massachusetts. State law mandates that most riders carry minimum coverages.
In addition to the state’s requirements, additional requirements are sometimes imposed by lenders. Lenders will commonly require collision coverage and comprehensive coverage when a snowmobile is financed.
Of course, purchasing more coverage than either the state or a lender requires can afford much better protection. Many riders choose to get extra coverage, beyond what’s minimally required.
Snowmobile policies frequently come with multiple coverages, because they need to protect against varied risks. Some coverages that riders might specifically want are:
A good number of snowmobile policies have optional roadside assistance services, but what exactly is included can vary depending on the policy. Some towing provisions are limited to only public roadways. Other policies will tow from a trail, or at least a certain distance off of a public road.
Which of these options is needed depends on where a snowmobile is typically used. An insurance agent specializing in snowmobile policies can help riders find roadside assistance that suits where they ride most often.
Even when there’s no snow on the ground, at least certain insurance coverages should be maintained. Canceling a snowmobile policy altogether could violate state regulations or lender requirements, and it leaves a snowmobile unprotected against damage that might occur while the snowmobile is in storage.
In some cases, it may be possible to modify coverage for off-season months. A knowledgeable insurance agent can help riders check what coverages could be changed, without jeopardizing any protections that are needed.
If you have a snowmobile and need insurance, contact the independent insurance agents at Garrity Insurance. One of our agents will work with you to determine coverage needs, and then show you policies from a few different insurance companies that would work well. We’ll then help you choose the best from among the options.