Is Snowmobile Insurance Required in New York?
Any snowmobile that is operated on a shoulder of a highway or roadway in the state needs to have minimum liability insurance. To meet this minimum, you need to have $20,000 for any accident involving two or more persons for bodily injury liability and $5,000 for property damage liability. You must carry proof of insurance, and you must display this for law enforcement or anyone that has been in an accident with the snowmobiler. These limits are low, and it’s recommended that you get more. If you are an avid snowmobiler, you may know that this won’t cover much damage or injuries in a severe accident.
Coverage Options for Snowmobile Insurance in New York
While liability insurance is required, there are other options that you may want to purchase to protect your snowmobile. Comprehensive coverage will protect the snowmobile from accidental losses to your snowmobile in the event a collision doesn’t cause the loss. This can include fire, vandalism, wind flood, smoke, or sinking through ice. Collision coverage will cover a loss after a collision, which is the most common cause of loss. It’s possible for a snowmobile to be traveling slowly and still hit an object and be totaled. In addition to these options, there are still other options available at Salvione Insurance Agency, Inc.
Medical payments cover co-payments and expenses if you or someone riding the snowmobile needs medical attention due to a snowmobiling accident. Accessory coverage gives you coverage for extra equipment or items in your snowmobile, such as wraps, engine performance equipment, GPS, or special paint. Trailer coverage is also available if you are purchasing comprehensive and collision coverage on your snowmobile. Uninsured and underinsured motorist bodily injury protection, similar to what you would purchase for car insurance, is also available if you get into an accident with another snowmobiler without insurance or not enough coverage.
Contact Salvione Insurance Agency, Inc. to get a quote on snowmobile insurance.