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  • Writer's pictureDerek Carroll

What Snowmobile Coverage Do I need?

It is almost my favorite time of the year. The time when Christmas lights are hung in my favorite trail side stops across the Midwest and will remain up even after the Christmas Season has long passed. With the season opening of snowmobile season starting tomorrow (can it really be December 1st tomorrow) in Michigan it is a great time to remind everyone what kind of coverage you need on your snowmobile.

Illinois Snowmobile Insurance Coverage Options:

Insurance is there to protect you from the risk of being held financially responsible for an event even if that event was not your fault. If it was your fault you sure don't want that impacting you for the rest of your life. You want to be able to move on as quickly as possible.

What coverages are important on an Illinois Snowmobile policy?

Bodily Injury:

With today's high cost of medical care bodily injury is a very important part of your Illinois snowmobile insurance policy. The bodily injury coverage on your snowmobile insurance policy is going to protect you in the event that you are found liable for someone else's bodily injury.

Property Damage Liability:

If you happen to do damage to someone else's property while you are out blasting some fresh powder your property damage liability could help cover the damage.

What is Medical Payments Coverage on my Snowmobile Insurance Policy?

Medical payments helps to cover the cost of any injuries you or your passenger may suffer while involved in an accident.

Do I need Uninsured Motorists Bodily Injury Coverage on my Illinois Snowmobile Policy?

Yes, it is strongly suggested that you carry this coverage. I have been riding off road vehicles for a long time and one of the most common phrases I hear is "I'm not worried about myself causing a crash, but I'm worried about the other riders."

If you have ever had this thought cross your head then this is an important coverage for you. With approximately 12 percent of cars uninsured you can understand why this coverage should be on any insurance policy. Your snowmobile insurance can protect you from uninsured snowmobilers that may cause bodily injury to you and does not have insurance on their snowmobile.

Do I need Underinsured Motorists Bodily Injury Coverage on my Illinois Snowmobile Policy?

Yes, much like the uninsured motorist bodily injury coverage, Underinsured motorist bodily injury protects you in the event that another snowmobiler does not have proper insurance to cover your bodily injuries.

How do I insure my Snowmobile if it is damaged?

There are a couple coverages that help protect your snowmobile should if get damaged while out riding or even if it is in storage:

Collision Coverage for Snowmobiles:

Collision coverage can be purchased for your snowmobile and provide coverage should you hit another snowmobile, another snowmobile hits you, your snowmobile rolls over, or you have a collisions with another object. There is a deductible that the insured is responsible for.

Other than Collision:

Other than collision coverage is for events like a theft, fire, or storms. There is a deductible that the insured is responsible for.

If you want a review of your snowmobile insurance policy talk with the agents at Clark Carroll Insurance Agency. With offices located in downtown Mt. Carroll, IL and Lanark, IL we can meet with you when your schedule allows.

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