Snowmobile Faqs
Snowmobile FAQs
  1. Our snowmobile policy offers a ton of different coverages — that way you know you’ll always be protected while out on the trails. Let’s break those coverages down, to help you understand your policy inside and out.

    • Bodily Injury and Property Damage Liability and Passenger Liability help cover costs if you cause an accident that injures another person or damages their property up to the limits on your policy.
    • Comprehensive and Collision coverages help pay to repair or replace your snowmobile in the event it's stolen or damaged in an accident, regardless of who is at fault. We also offer Customization Coverage, which protects certain custom parts and equipment on your snowmobile.
    • Personal Property protects your personal property you’re carrying on the snowmobile should it be damaged in an accident.
    • Safety Riding Apparel coverage protects your safety apparel like your helmet and protective clothing, should it be damaged in an accident.
    • Medical Expense covers some of the cost of necessary medical care you receive as the result of a snowmobile accident and can be used regardless of who is at fault.
    • Uninsured/Underinsured Motorist if another person causes an accident and doesn't have insurance or doesn't have enough insurance to cover your costs, we’ll help cover your injuries and damages caused by the other driver.
  2. It depends — some states require snowmobile insurance, and some don’t. Even if your state requires snowmobile insurance, the details of what types of coverages are required can vary by state. Your American Family agent can provide all the details for your specific state.
  3. The short answer? It varies from person to person. The amount of coverage you need can depend on factors like the value of your snowmobile, how, where, and how often you ride it, any customization — and that’s just a few of the factors to consider. Your agent is the perfect person to help you find just the right amount of coverage that fits in your budget.
  4. For the most part, yes. Medical Expense coverage protects your passengers in case of an accident. As for liability coverage, passengers are usually covered, however some states have different laws pertaining to liability. Your agent can help you sort out all the details
  5. If the unexpected happens, the Personal Property and Safety Riding Apparel coverages provide $200 in personal property coverage and an additional $1,000 for safety riding apparel like helmets and protective clothing. If your snowmobile happens to be customized, our policy includes at least $1,000 of customization protection. Is your customization worth more than that? No problem! You have the option to add up to $10,000 worth of additional customization protection.
  6. You bet! Just make sure your policy includes Medical Expense coverage.
  7. Good question! If you purchased coverage to extend your insurance to other riders, as long as they have your permission to use it, you’re in the clear.
  8. If your plan includes comprehensive coverage, then yes, your snowmobile is covered for theft.
  9. If you happen to get in an accident with your snowmobile, don’t panic. Use this guide to help you get back on the trail as quickly as possible.

    • If possible, move your snowmobile out of the way of other riders. If another snowmobile is involved, never leave the scene of an accident until speaking with the rider.
    • If anyone is hurt, call 911.
    • Don’t admit any wrong doing or fault. If the police are called, answer questions and cooperate with the authorities.
    • Make sure you get information regarding the vehicles and riders involved. This includes the year, make and model of the snowmobile, the rider’s name, address, phone numbers, insurance information and insurance policy number.
    • If you’ve got your cell phone handy, take pictures of the vehicles involved and the area of the accident.
    • If the police are called, get the report information.
    • Call 1-800-MY AMFAM (1-800-692-6326), contact your American Family Insurance agent, or report a claim online .
    • Then, file a claim as soon as possible.