After purchasing a new Ski-Doo snowmobile, it’s important to get your new vehicle insured. Just like you would for a car or motorcycle, it’s vital to insure your Ski-Doo to protect your investment and yourself. Accupro Insurance Service has some Ski-Doo insurance basics for you to consider.
Coverage Options for Ski-Doo Insurance
Bodily Injury and Property Damage Liability – covers your legal liability for an accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.
Comprehensive and Collision – pays to repair or replace your snowmobile if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage you select a deductible, or the amount that you would pay out of pocket. Your insurance company pays for the remaining damage. Comprehensive covers damage not caused by you, like theft or vandalism. It also covers you if you hit an animal. Collision covers damage caused by colliding with a pole or another object.
[gn_spoiler title=”What else is covered?” open=”0″ style=”2″]Medical Payments – pays the cost of necessary medical care you receive as a result of a snowmobile accident and can be used regardless of who is at fault. There is generally a time limit after the accident for when the coverage can be used, and there is a limit amount. Go over your policy carefully with your agent.
Accessory Coverage – covers products not originally included on the original product. For example, radios, antennae, trailers, or custom paint jobs. This is typically optional and costs extra, but is still something to consider.
Roadside Assistance– provides necessary labor at the place of disablement, and towing to the nearest qualified repair facility. You are covered when your Ski-Doo is disabled near the roadway due to any of the following:
- Mechanical or electrical breakdown
- Dead battery
- Lockout or lost or stolen keys
- Insufficient supply of fuel, oil, water or other fluids
- Entrapment in snow, mud, water, or sand