With its wide-open spaces, hundreds of designated trails and months of snow cover, Wyoming is well suited for the enjoyment of snowmobiling. Snowmobiles have exploded in popularity among Wyoming residents in recent years but so have the number of accidents and the need for snowmobile insurance. Do you have snowmobile insurance that can help you hit the trails quickly after an accident? Before you search for snowmobile insurance quotes, there are a few things to consider.
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Wyoming Snowmobile Facts and Statistics
- Wyoming is home to 2,500 miles of groomed snowmobiling trails.
- There are nearly 31,000 snowmobiles registered in Wyoming.
- Avalanches pose the greatest risk to riders in the state.
- The modern snowmobile can weigh in excess of 600 pounds and travel at speeds exceeding 90 miles per hour.
- Each year snowmobile accidents produce approximately 200 deaths and 14,000 injuries.
- Excess speed, alcohol, driver inexperience and poor judgment are the leading causes of accidents.
Why Is Snowmobile Insurance Important?
Not only can snowmobile insurance help you make swift repairs to your sled damaged in an accident or other covered event, but it can also protect you, the rider. Should you injure another person or damage their property while operating your snowmobile, an insurance policy can help pay for their medical treatment and property repairs. It can also help pay for your legal fees and court costs if the person sues you as a result of those injuries or damage. The most comprehensive policies can also help replace broken equipment such as helmets and safety glasses and even assist you if your sled breaks down.
Does Wyoming Require Snowmobile Insurance?
WY state law does not require riders to carry snowmobile insurance. It does, however, require you to register your sled with your local department of motor vehicles.
You may also have to purchase a permit before riding legally on any of the public trials. You can usually obtain a permit for as little as $15.
Unlike many northern states, Wyoming has few regulations regarding snowmobile riders. There are no age limits and no helmet requirements. This can lead to more accidents and injuries due to the inexperience and carefree nature of some riders. The state even allows snowmobiles on public roads, ditches and shoulders, which can cause accidents between sleds and cars or heavier vehicles.
What Does Snowmobile Insurance Cover?
Most Wyoming insurance companies should be able to give you the following coverage options as you build your snowmobile insurance policy:
- Liability coverage: This can help pay for injuries or property damage you may cause while riding your sled. It can also help pay for your legal costs if you face a lawsuit stemming from the operation of your snowmobile.
- Collision coverage: This can help pay for repairs to your sled if it sustains damage in a collision with another rider or vehicle.
- Comprehensive coverage: This can help pay for repairs to or replacement of your sled due to fire, severe weather, theft, vandalism or any other covered event.
- Additional coverage options: You may also want to consider accessories coverage for your helmet and other equipment; trailer coverage for your snowmobile trailer; and excess liability insurance, such as an umbrella policy, to further protect you from lawsuits.
It's a good idea to speak with a qualified insurance agent who can help identify your snowmobile insurance needs and can suggest coverage options best suited for you and your sled.
How Are Snowmobile Insurance Quotes Determined?
Most Wyoming insurance providers take several factors into consideration when calculating your snowmobile policy quotes, including the following:
- The make and model of the snowmobile
- Where you will ride (whether on private property or public trails)
- Your age
- Any additional riders you want covered
- The intended use of the machine such as pleasure, business or racing
- The deductible you choose
- The coverage options you need
Policies that offer liability-only coverage can cost as little as $100 a season. You may find it worth the additional $100 above a liability-only policy for the added protection of collision and comprehensive coverage, however.
Where To Find Snowmobile Insurance in Wyoming
You may ride snowmobiles for the same reason others do: It's a great stress-relieving pastime. Nothing can be more stressful than an accident, however. You want the protection and peace of mind that an insurance policy can offer. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer your questions, suggest coverage options and even assist you in filing a claim on your sled.
Contact a Trusted Choice member agent near you to find out how you can obtain the perfect insurance policy to keep your snowmobile out of the repair shop and on the trails.