Snowmobile Insurance Coverage
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What Does Snowmobile Insurance Cover?

Nationwide offers a range of snowmobile insurance coverages that can protect you in the event of an accident. Learn more about what our snowmobile insurance policies cover. Start your snowmobile insurance quote today and hit the snow with protection that’s right for you.

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 injured parties’ 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 also protects 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

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 endorsement

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. Explore Nationwide snowmobile insurance discounts on our snowmobile insurance coverage.

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