Like other types of insurance, snowmobile insurance policies consist of collision, liability and comprehensive coverage. The policy limits you set should be based on the total value of the snowmobile as well as how much you could be sued for in the event of a liability dispute. Snowmobile insurance is a requirement in some states and is always a smart idea to avoid paying out of pocket for damages. Learn more about specific snowmobile coverages below.
Liability coverage for snowmobiles
Liability helps cover medical costs for bodily injury to others and property damage to others if you’re at fault in an accident. It can also pay the injured party's lost wages and help cover your legal expenses if a lawsuit is brought against you due to an accident. Many state laws require liability coverage.
Collision coverage for snowmobiles
Collision coverage may be required if your snowmobile is financed or leased. If you hit another vehicle, another vehicle hits you, or your snowmobile rolls over, collision will help cover you. This coverage also includes protection for snowmobile safety apparel up to $2,000.
Comprehensive coverage for Snowmobiles
Comprehensive snowmobile insurance coverage helps cover damage to your vehicle not caused by collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters. Comprehensive coverage can also protect custom snowmobile parts and equipment.
Uninsured or underinsured motorist coverage
Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your snowmobile. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.
Medical payments helps pay medical costs for you and your snowmobile passengers in the event of an accident, regardless of who is at fault.
OEM endorsements help ensure that your vehicle is repaired with new parts from the original equipment manufacturer, whenever available. If an original equipment manufacturer part is not available, we will issue payment based on the fair market value of the new original equipment manufacturer part. This coverage is available for vehicles less than 10 years old.
Snowmobile insurance discounts
You may be eligible for a reduced rate on the above policies. For example, if you also have ATV insurance coverage with Nationwide you may be eligible for a multi-vehicle discount. Explore all the Nationwide snowmobile insurance discounts and find ways to save.