People buy insurance so they have coverage in the event of theft, damage or injuries. However, nobody ever wants to be in a position where they need to use it.
Hopefully, you will never need to file a claim, but if you do find yourself in that position, it is best to fully understand the claims process so that your claim can be filed easily and efficiently.
If you have purchased your policy through an independent agent, you will be able to contact your independent agent for assistance throughout the entire claims process.
Our agents work for you, not for a specific insurance company; they will advocate for you and help you get compensation for damages, legal costs or injuries you sustain.
Snowmobile Insurance Claims Data
Sometimes, you have to file a claim on your snowmobile insurance policy. Here are some factoids that might give you an idea of your risks when you’re on your sled:
- Nearly all snowmobile accidents result in injury
- Most snowmobile accidents involve a snowmobile driver striking a fixed object
- Most snowmobile accidents occur between 8 p.m. and 3 a.m.
- Each year about 110 people die in snowmobile accidents nationwide
Being a responsible snowmobile owner doesn’t just mean that you drive responsibly. It's also a good ideal to have coverage when the unexpected happens to you or one of your family members out on the trail. Find an agent today to talk about your situation and find appropriate insurance.
When You Need to File a Claim…
If you have been in an accident or if your snowmobile has been damaged due to a natural disaster, first attend to everyone’s safety and well-being. If anyone is seriously injured, contact emergency services. Next, secure property to prevent further damage if you can.
Once you have taken all safety precautions, be sure to document everything that occurred. If possible, take pictures of the scene and the damage. If the authorities are present, request a copy of the police or medic report.
If you were involved in a collision with another person, get copies of their insurance information and driver’s license. You can photograph these documents or write the information down.
If you have been the victim of a theft, call the authorities and obtain a copy of the police report. Document where and how your property was stored at the time it was stolen. List everything that may have been taken, including money, gear and accessories, and their approximate value.
How Does the Claims Process Work?
Once you have gathered all your documentation about the accident or theft, call your insurance company. If possible, have your insurance policy number ready when you call. Be prepared to provide as much information as possible.
If there is property damage, your insurance company will likely send out a claims adjuster to meet with you. If the accident involves an injury to another person, your insurance company may work directly with the injured party or hospital to cover medical bills.
Will Filing a Claim Raise My Rates?
Sometimes filing a claim will cause your insurance rates to increase. It all depends on your insurance carrier and the circumstances surrounding your claim.
You might find that the cost of the damage is lower or only slightly higher than your deductible. In that case, you may consider avoiding the risk of a rate-hike by not filing a claim. If the circumstances involved a third-party injury or property damage, not filing a claim is unadvisable.
Even if the injury or damage seems minor, it is a good idea to file a claim. This process allows for an investigation of the incident, which can help clarify what did or did not happen.
Insurance fraud is common these days, so it’s important that you keep detailed records for your claim or it could be denied. If you are involved in an accident involving another person’s injuries or property damage, document everything and have a clear record of the circumstances.
Is Assistance Available?
Many people rely on an insurance company whose primary customer interface is an 800 number. If you want a more personalized experience when it comes time to file a claim, contact an independent agent in our network.
Our agents are knowledgeable professionals who will help you navigate the claims process as painlessly as possible.
Find a local member agent in our network today for an obligation-free snowmobile insurance quote. Your agent may even be able to find you better rates on all your insurance policies.