Although most of Oregon enjoys mild winters without much snowfall, areas near the Cascade Mountains receive several feet of the beautiful white stuff every year, making the area a snowmobiler's paradise. Before you hit the trails, you want to make sure you and your sled have the protection of a snowmobile insurance policy. Read the information below to find out what you should know before you start your review of different policy quotes.
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What Is Snowmobile Insurance?
Snowmobile insurance may provide coverage for personal injury and snowmobile damage, as well as your legal liability in the event that you are responsible for another person’s injuries or property damage. This important coverage can protect you from financial hardship if someone sues you for causing injury to another person, as well as from the financial setback of having to repair or replace your snowmobile.
What Does Snowmobile Insurance Cover in Oregon?
Oregon insurance companies offer a wide variety of coverage options for snowmobile policies. A basic snowmobile insurance package may include liability only coverage, but you may want to consider the following options:
- Bodily injury liability
- Property damage liability
Depending on the insurance company, other insurance options you may be able to purchase for your snowmobile could include these:
- Uninsured and underinsured driver coverage for bodily injury and property damage in the event that another person harms you or your snowmobile and does not have insurance to pay for the injuries and the damage
- Accessory coverage for such things as helmets, windshields, custom seats, riding gear and eyewear
- Year-round coverage in case of damage to or theft of your snowmobile in the offseason
- Coverage for aftermarket parts and accessories
- Towed trailer and transport trailer coverage
- Additional collision coverage
- Increased liability limits to cover the costs of a liability claim or lawsuit
Why Is Snowmobile Insurance Important?
You probably enjoy the time you spend on the trails, zipping through the snow. Chances are you have also invested considerable amounts of money and energy into buying and maintaining your sled. You want to protect that investment with an insurance policy that can help you make swift repairs to your snowmobile or replace it entirely if it is a total loss.
Just one injury in a snowmobile accident can result in thousands of dollars in medical treatment. You also want to protect yourself and other riders in the event you crash.
Is Snowmobile Insurance Required in Oregon?
Although carrying insurance on your sled is not obligatory in Oregon, it is still important to have in the event of accident or injury. You must register and title your snowmobile with the OR Department of Motor Vehicles even if your sled never leaves private property.
Does Snowmobile Insurance Cover Passengers?
Some policies cover passengers, while many others do not unless you specifically buy that coverage. If you will be taking riders along with you on your snowmobile, be sure to ask your agent or insurance company how cover them for injuries and medical expenses. If that coverage is not included in your policy, make sure you can add snowmobile passenger insurance as an option and that you have adequate liability insurance as well.
What Will Snowmobile Insurance Quotes Look Like?
Most Oregon insurance providers take several factors into account when calculating snowmobile policy quotes, including these:
- The make and model of the snowmobile
- Where you will ride
- The age of the driver using the snowmobile
- Whether you will take passengers and/or allow others to ride your snowmobile
- The intended use of the snowmobile such as pleasure, business or racing
- The deductible you choose
- The type of coverage you buy and/or optional coverage
Many riders can find a policy for as little as $100 a year. Serious riders with additional coverage needs can find quotes for around $300 annually.
Where To Find Snowmobile Insurance
You don't want all the joy of sledding extinguished by an uncovered accident or injury. When you contact a knowledgeable, independent insurance agent in the Trusted Choice® network, you can be sure you'll find the right policy. These experienced agents can answer any question you have, suggest coverage options and find you a number of quotes from a variety of providers.
Contact a Trusted Choice member agent near you to find out how you can obtain the perfect insurance policy for yourself and your sled.