Not obtaining snowmobile insurance is like not wearing a helmet when you ride. You may believe that your skill makes accidents a distant possibility. You may believe that just riding around your favorite park isn’t risky enough to make insurance a necessity. You never know when things can go wrong, however, and it’s wise to be prepared for any incident with a good insurance policy.

Snowmobile Insurance Maine Laws and Coverage

Living in Maine, you may know that your state government doesn’t require you to purchase an insurance policy for you to be able to ride legally. Yet, none of these are good enough reasons to avoid having a snowmobile insurance policy. In 2017, the state warden service responded to 85 accident crashes including nine fatalities during the prime riding months.

• A basic policy can cover you for damage to your vehicle or to yourself if you are in an accident. It’s advisable to go beyond the basic coverage as you will need collision coverage. Collision covers accidents involving you and another rider. You can also obtain coverage for an accident involving someone who is not wise enough to purchase a policy.
• You can get additional coverage for things involving the use and operation of your snowmobile. This will include things like the trailer you use to transport the vehicle and the helmet you use when you ride. This coverage is a good idea because it will help you replace any stolen items.
• The term “comprehensive coverage” is a little misleading. It doesn’t cover “everything.” It will provide coverage for your vehicle for damages or losses caused by things outside of a collision. If a heavy snowfall causes a tree to fall on your snowmobile, this kind of policy provision covers the damages. This will also help you recover losses if someone steals your vehicle.

Contact a Local Maine Company for Snowmobile Insurance Coverage

An insurance policy can reduce some stress and worry in your life when you’re having fun riding your snowmobile in Maine’s scenic parks in the winter. Speak with a representative at Allen, local company experienced in providing excellent coverage to the people in Maine.