Snow is Coming! Are You Covered?

I know most of you wince at the thought of snow falling from the sky.  But let’s face it  snowy days will be here before long.   Because we live in South Dakota, many of us own snowmobiles and can’t wait to flash through a big, fresh snow bank!

Some people believe that they can solely rely on their homeowner’s insurance to protect them and their snowmobile. But an unendorsed homeowner’s insurance policy will not provide enough protection which will force the snowmobile owner to pay out-of-pocket for some expenses.

 Snowmobile insurance is broken down into several coverage areas: 

1)      Bodily injury liability coverage protects (most often) by paying the medical expenses or funeral expenses of others when you are at fault in an accident. 

 2)      Property damage liability coverage protects by paying expenses for damaged property when you are at fault in an accident. 

 3)      Collision coverage protects the snowmobile if it is damaged in a collision or upset. 

 4)      Comprehensive coverage protects the snowmobile if it is damaged due to events other than collision.

 5)      One of the most overlooked coverages is uninsured/underinsured motorist.   This covers a snowmobiler who is hit by someone that does not have insurance or is carrying low limits of liability.

Some insurance companies might also offer safety apparel coverage which covers things like jackets, pants, helmets, gloves, goggles and boots.   These are all necessary items for serious snowmobilers, are expensive to purchase and if they are damaged in an accident, generally must be replaced.

Another optional coverage is roadside assistance. This coverage most often provides necessary labor at the place of disablement, and towing to the nearest qualified repair facility, when the snowmobile is disabled due to mechanical breakdown, dead battery, lost keys, insufficient supply of fuel or getting stuck in snow or mud.

Oh, one last thing that will make snowmobile lovers happy….according to the 2011 Farmer’s Almanac, a storm track is headed our way promising to produce a procession of fast-moving “Alberta Clipper” systems that will bring snowier-than-normal conditions to parts of the Northern and Central Plains.  I say “Bah Humbug!”