Snowmobile Insurance Coverage
Your snowmobile insurance coverage can vary depending on your state of residence and the level of coverage you desire. The Hartford’s insurance specialists can guide you through all your available coverage options, so you can find the snowmobile insurance coverage that’s right for you.
Not all coverages are available in all states.
Bodily Injury Liability
Protects you against financial loss when you are held legally responsible for a snowmobile accident causing injury or death to someone else. This snowmobile insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
Property Damage
Covers you against financial loss if you are found liable for damage to other people’s property caused by your snowmobile.
Medical Payments
Pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an accident with your snowmobile. This snowmobile insurance coverage may include expenses for medical care, recovery, rehabilitation and remedial care, as outlined in your policy.
Uninsured/Underinsured Bodily Injury
Pays benefits for bodily injury or death of you (and any passengers) if you are struck by:
- a snowmobile driver who doesn’t have insurance
- a snowmobile driver who has some insurance but not enough to cover the losses that result from the accident
- a “hit and run” snowmobile driver that you cannot identify
Other Than Collision (Comprehensive)
- Pays for damage to your snowmobile caused by events such as fire, theft, riot, windstorm and hail. Benefit pays up to the actual cash value, less your deductible.
Collision
Pays for damage to your snowmobile caused by collision (contact with a physical object such as another snowmobile or structure.) Insurance benefit pays up to the actual cash value, less your deductible.
Towing and Labor
Pays up to the selected limit for towing of your snowmobile when it is inoperable, whether or not there is an accident involved.
Additional Insurance Coverages Available for Snowmobiles
- Trailers
- Personal Effects
- Customized Equipment
