SNOWMOBILE AND ATV INSURANCE
Your vehicle should be adventurous. Not the insurance process.
Hitting the snow or trail without adequate coverage could mean you are unprotected against collision costs and medical payments in the event of an accident. Marshall+Sterling can help you find the snowmobile and ATV coverage that fits your budget and lifestyle.
Consider our snowmobile and ATV insurance services.
Snowmobiles and ATVs are primarily used on off-road terrain and alongside roads. As a result, they generally operate at high speeds and are prone to accidents and theft. In addition, many snowmobiles are customized, so it is difficult to establish their value after a loss. We can help you with the coverage you need to ensure years of enjoyment with your snowmobile and/or ATV.
What coverages are available under snowmobile and ATV insurance?
Bodily Injury and Property Damage Liability (BI/PD): Covers liability for an accident involving injury to other people or property, up to your liability limits.
Comprehensive and Collision Coverage: Policy pays to replace or repair your snowmobile or ATV if it is stolen or damaged, minus your deductible. Collision coverage applies if you hit a nonliving object or other vehicle. This coverage also pays for damages caused by events other than collisions, such as fires, theft, or vandalism.
Uninsured/Underinsured Motorist: If you’re in an accident with someone who either has insufficient coverage for your medical expenses or damage to your sled, or no insurance at all, this type of coverage can help cover any losses you incur.
Roadside Assistance: Policy covers the labor needed for repairs and towing to the nearest repair facility if your snowmobile or ATV is disabled.
Accessory Covered: Policy covers items that were not originally manufactured on the vehicle, altering the appearance or performance. This may include trailers, custom modifications, seats/backrests, exhausts, etc.
Medical Payments arising from the accident.
Are safety courses available?
Inexperienced riders are much more likely to be involved in serious accidents than their seasoned counterparts. Therefore, you should contact your state’s Department of Natural Resources for more information on available safety courses for both adults and young riders. In most states, they are mandatory for extremely young riders (ages 10 to 15) if they intend to ride off their parents’ property.
We’re here to help you succeed.
Learn how snowmobile and ATV insurance can help you manage your personal risks. Reach out to us today.
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