Snowmobile Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Snowmobile insurance is specialized personal insurance for snowmobile owners. Because owners are exposed to several arrests, snowmobile policies generally come as package policies that combine multiple coverage’s together.

Residents who have registered snowmobiles have to carry insurance. Massachusetts state law typically requires snowmobile orders to maintain minimum coverage amounts. Many owners elect to carry more coverage’s and higher limits so that they’re better covered.

Bodily Injury Liability Coverage
Personal Injury Protection (PIP)
Property Damage Liability Coverage

What is Snowmobile Insurance?

Snowmobiles can be great fun in winter, but using them comes with certain inherent risks. There are approximately 14,000 snowmobile injuries and 200 deaths each year. Snowmobile insurance won't stop accidents from happening. It may offer Massachusetts snowmobilers financial protection in the event of an accident or other covered incident, though.

Who in Massachusetts Should Have a Snowmobile Policy?

Most Massachusetts residents who have registered snowmobiles have to carry insurance. Massachusetts state law typically requires snowmobile orders to maintain minimum coverage amounts. Many owners elect to carry more coverages and higher limits so that they’re better covered.

TESTIMONIALS

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
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Mark Anderson

Marketing Director
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Mark Anderson

Marketing Director

What Protections Does a Snowmobile Policy Make Available?

The exact protections that a snowmobile policy offers may vary, but many policies make a variety of liability and property coverage is available. The following are some of the more common coverages that a policy could provide:

Bodily Injury Liability Coverage, which might protect against injuries to people not riding a snowmobile
Personal Injury Protection (PIP), which might protect against injuries to people riding a snowmobile
Property Damage Liability Coverage, which might protect against damage caused to other people's property
Collision Coverage, which might protect against snowmobile damage occurring during accidents with vehicles or other snowmobiles
Comprehensive Coverage, which might protect against snowmobile damage occurring in an animal collision or other non-accident incident
Accessories Coverage, which might extend protection to a snowmobile trailer, aftermarket improvements and safety equipment
Underinsured and Uninsured Motorist Coverage, which protect against accidents caused by improperly insured snowmobilers and drivers

An insurance agent who specializes in snowmobile policies can explain these coverages in further detail, as well as any other protections that a policy offers.

Can Snowmobile Owners Get Roadside Assistance?

Roadside assistance is an additional benefit that's often available through snowmobile policies. The benefit normally helps cover the cost of towing should a snowmobile break down when being used. When considering this benefit, it's important to check whether a snowmobile must be on a public road in order to be towed, or can be on a trail and still get towed.

How Much Are Premiums for Snowmobile Policies?

Premiums for snowmobile policies are usually quite affordable, even if they aren’t the same. A few factors that can impact rates include the:

Snowmobile’s location when not in use
Snowmobile’s year, make and model
Owner’s past claims history
Chosen coverages, deductibles and limits

To better determine how much premiums will be in a specific situation, snowmobile owners can talk with an independent insurance agent. Independent insurance agents aren't obligated to promote any one insurance company but can easily compare quotes from multiple companies.

Do Snowmobile Owners Need Insurance During the Summer?

Snowmobile policies frequently can be adjusted during summer. Canceling insurance altogether often isn't advisable, however. If insurance is entirely canceled, damage that occurs while a snowmobile is in storage likely won't be paid for by an insurance company. If coverages are adjusted but insurance is maintained, the damage might be paid for by an insurer.

How Can Snowmobile Owners Get Snowmobile Insurance?

If you own a snowmobile in Massachusetts and need insurance, contact the independent insurance agents at Paul T. Murphy Insurance. Our independent agents will work with you to determine what coverages and limits are appropriate, and they'll show you several policies that meet those requirements. With our assistance, you can find a snowmobile insurance policy that's well suited for your situation.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.