Posted On 22 Jan 2021
JUST KEEP TALKING
Tell a friend, a colleague, a relative, an acquaintance…whoever…about us. When they contact us we’ll send you a $20.00 Gift Card
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3 Chances, 3 Prizes for YOU to WIN!
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Top questions to ask about snowmobile insurance
With the crisp winter air, it won’t be long before you’re able to take your snowmobile out on the trail, if you haven’t already. Before you do, you may want to ask your insurance agency some questions about snowmobile insurance coverage. The Southcott Agency Inc. has some suggestions to help you get started.
1. Is my optional equipment covered?
You’ll want to know if your windshields, new seats or running boards are covered under your current policy, if they aren’t included as standard by the manufacturer. A good policy will give you a set amount of coverage for optional equipment included with your comprehensive coverage, with the ability to purchase more.
2. Is my safety apparel covered?
Helmets, gloves, boots and any other clothing designed to minimize injury are generally considered safety apparel. Be sure to discuss what this coverage includes with your agent. Typically damage to safety apparel is covered, but theft is not. As is the case with most insurances, individual companies have optional coverages, exclusions and language specific to them.
3. What kind of higher limits are available for Liability coverage?
Liability coverage is important in case you are found responsible for someone else’s injury while driving your snowmobile. Considering attorney fees and other costs associated with litigation can increase quickly, having the option for higher limits is a plus. Based on their financial situation, most people try to match their snowmobile liability limits to the liability limits they have on their automobile. The amount of liability coverage is critical if you have a personal umbrella policy. Personal Umbrella policies usually require matching liability limits on underlying vehicle policies.
4. What discounts are available?
Discounts will help you save money on the premium you pay for your policy. You may qualify for a multi-policy discount if you insure more than just your snowmobile with the same company. Specifically, for snowmobiles, you may be able to get discounts for taking safety courses, belonging to a snowmobile club, or having multiple vehicles.
You can find more information about snowmobile insurance in Mike’s blog on our website: www.thesouthcottagency.com
13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm