Snowmobile Insurance

While laws and regulations regarding snowmobiles vary from state to state, about 50% of states, including Pennsylvania, have laws requring  snowmobile insurance. Even if your state does not require it, it is good idea to have it because, aside from protecting your snowmobile in the case that it is damaged, you also protect yourself financially in the event that you cause an accident that damages another's property or injure someone.

Some Coverages Available

  • Bodily Injury Liability
    • Pays for medical expenses of any party whose injuries you are liable as a result of  operating your snowmobile. 
  • Property Damage Liability
    • Pays for property of another party that you damaged while operating your snowmobile. 
  • Medical Payments Coverage
    • Pays for medical expenses that you or your passengers may incur as a result of getting in an accident while operating your snowmobile. 
  • Collision Coverage
    • Pays for damage to  your snowmobile as a result of colliding with something.
  • Comprehensive
    • Pays for damages to your snowmobile caused by something other than collision.
  • Uninsured/underinsured motorist coverage:
    • protects you and your passenger in the case that another snowmobiler causes you bodily injury or damages your property and does not have sufficient liabilty insurance
  • Accessories coverage:
    • provides protection for items related to snowmobile in the case they are damaged.
  • Roadside assistance
    • Provides you with transporation to the nearest repair facility if you become stranded.

Snowmobile Safety Tips
Many states offer snowmobile safety courses online, including Pennsylvania. Additonally, many companies offer a discount if you become certified. Other tips include:

  • Always wear a helmet
  • Never operate your snowmobile while under the influence
  • Avoid using your snowmobile in reduced visibility conditions and at night. 
  • Watch for obstacles, such as unexpected drops or debris
  • Avoid riding on frozen water
  • Carry a first-aid kit
  • Bring a cell phone in case of emergency.

Call us for a quote today and get the coverage that is right for you!

(610) 966-4598

Jennifer Green
Personal Lines Agent
Gretta McDermott
Account Executive