Michigan is known as "The Water/Winter Wonderland." There are hundreds of miles of designated snowmobile trails in Michigan and many other pieces of private property to use. However, before taking advantage of these opportunities, it is important to get proper Michigan snowmobile insurance to protect your investment in your sled.
This coverage is not required by the State of Michigan, but in order to protect yourself financially you should be sure to get bodily injury and property damage liability and consider coverage on your snowmobile itself. The best way to accomplish this is to work with an independent agent in the Trusted Choice® network. Your agent can help you evaluate several Michigan snowmobile insurance quotes and make the coverage choices that are right for you. Contact a local member agent today.
There are a number of legal requirements and common sense rules that apply to the use of a snowmobile in Michigan:
The Michigan Department of Natural Resources provides the full set of rules and regulations regarding the use of snowmobiles in Michigan.
Operating a snowmobile can be a very hazardous activity. Most operators spend a relatively few hours driving their snowmobile, compared to how much time they spend driving a car. Very often the use can be over unfamiliar territory or even dangerous terrain such as frozen lakes or rivers. You may find yourself operating your snowmobile in proximity to other riders who may be inexperienced, and may or may not be following sensible practice.
You may be a highly cautious rider, but an accident can happen any time. The best protection is a Michigan snowmobile insurance policy that will provide you with the coverage you need. A Trusted Choice member agent can help you compare quotes and choose the policy that is right for you.
A typical snowmobile insurance policy will include the following:
Depending on the insurance company, you may also have the option of purchasing coverage on your trailer, accessories and equipment.
You may have some coverage in place for your sled. For example, some homeowners policies may provide protection from theft or damage, but many do not. Some automobile policies may cover a snowmobile trailer while others won't.
Be sure to check the coverage you do have and find out what gaps there may be. Your best bet is to contact an independent agent in the Trusted Choice network. Your agent can help you analyze your coverage needs and the available options. For example, if you take passengers, you will want to make sure your Michigan snowmobile insurance policy will cover their medical costs if they are injured.
Even though Michigan does not require snowmobile insurance, some states do. If you operate your snowmobile out of state, be sure that you research that state's rules and regulations.
There are many factors that can influence the cost of a snowmobile insurance policy, such as:
The cost of a basic policy can be in the neighborhood of $100 a year. But full coverage on a highly valued snowmobile can run several hundred dollars a year.
There are many factors to consider when choosing the correct insurance policy for you, including how much insurance you need for your particular vehicle, and how much liability coverage you want to carry.
A local independent agent in the Trusted Choice network can help you compare multiple Michigan snowmobile insurance quotes and help you pick the coverage that is right for you. Contact a member agent in your area today.