Are you thinking of getting a snowmobile? Just as with a new car, you should check your insurance options first. Here is some information about snowmobile insurance requirements for residents in Maine.
Why Should You Have Insurance With a Snowmobile?
If you get into an accident with your snowmobile, you could end up injured, as well as injuring others.
A collision with another snowmobile or a collision with a person could lead to significant medical bills, both on your behalf and other people.
Snowmobiles can also cause a lot of property damage in the event of an accident.
What are the Snowmobile Insurance Requirements?
Maine doesn’t have any insurance laws for snowmobiles, unlike some other states. So, while you don’t need to get snowmobile insurance, it’s a good idea.
Snowmobile insurance is extremely affordable. It will depend on the type of snowmobile, your age and whether you take passengers with you.
There are three major types of insurance coverage:
- Liability insurance. This type of coverage kicks in if someone is injured due to your snowmobile, even if it doesn’t happen during a collision, such as an injury that happens when they get into a snowmobile.
- Collision coverage. This type of coverage kicks in when you’re in an accident, covering you from damage and injury that is caused by that type of event.
- Comprehensive coverage. This type of coverage kicks in if your snowmobile is stolen or vandalized. Comprehensive coverage is important if you want to make sure that everything is covered.
Before you take a snowmobile out, it’s best to have your insurance requirements covered.