Snowmobile Insurance; Get It Before The Snow Really Flies!
Posted by Donald J. Medeiros Insurance Agency on
Where’s The Snow?!? Many folks from snowmobile associations across New England are asking that very question. It’s almost January and the trails have very little if any snow cover on them. However, since the holiday season is almost over, there is some extra time to focus on their final preparation.
Besides getting the machines ready and planning your routes, you may want to add to your checklist to ask your insurance agent about having the proper insurance coverage.
Just so you know a good policy will provide you with a set amount of coverage for optional equipment such as windshield, seats and running boards which is included with your comprehensive coverage. There is also a consideration for the damage of safety apparel such as helmets, gloves, boots and any other clothing that is designed to minimize injury. Also, discuss with your agent about liability coverage; this is important in the event that you are found responsible for someone else’s injury while driving your snowmobile. Attorney fees and other litigious costs can increase substantially, so having higher limits is definitely a plus. A general rule of thumb is that most folks will match the limits that they have on their auto policy. Lastly, don’t forget to ask if you qualify for a multi-policy discount. If you insure more than just your snowmobile with the same company, you may be able to receive a discount on your insurance. Every little bit helps.
Now that you’ve taken care of your checklist and are about to head out to the trails, here is some good advice to remember:
Know the rules of the trails.
Gear up properly. Always wear a helmet, warm gloves, a windproof outer layer and winter boots.
Take a friend. Never snowmobile alone and stick together.
Be prepared. Take along spark plugs, belt and tools for basic repairs. Have a first aid kit, flashlight, extra batteries, food and water.
Maintain control. Do not be impaired by any drugs or alcohol.
Know the weather. Be aware of the weather conditions for the duration of the ride.
Tell a friend. Let friends and family know your destination, timeframe and expected time of arrival or return. Stick to the predetermined trail route.
Charge your cellphone and take an emergency handheld radio.
Happy riding and pray for snow!
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for all insurance needs. By no means can we address each reader’s specific concerns in every incident. So, we strongly advise to check with an insurance representative to address your specific needs. However, you can also contact us for any questions or concerns and we will be happy to help you. We can offer coverage for both Massachusetts and Rhode Island communities.