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Pennsylvania Snowmobile Insurance
Am I Required To Buy Insurance For My Snowmobile In The State Of Pennsylvania?
This is a very common question that many new snowmobile owners ask. The reason for so much confusion on the matter is because the laws of insurance coverage on snowmobiles vary greatly from state to state. However, the state of Pennsylvania (by law) requires anyone who owns a snowmobile to purchase and maintain Pennsylvania snowmobile insurance for their own safety and for the safety of anyone else who operates the vehicle.
The reasons for legal Pennsylvania snowmobile insurance are slightly different than when considering the insurance of other vehicles. There are around one and half million snowmobiles currently registered in the United States of America, many of them costing upwards of $10,000 to purchase new. This makes the cost of ownership of these vehicles to be relatively high. However, unlike other vehicles, the odds of snowmobile collisions are much lower than in a car. Thus, liability takes on a new meaning when it comes to snow mobiles.
Why Does The Law Require Pennsylvania Snowmobile Insurance?
Many states do not have a mandatory minimum when it comes to insuring a snowmobile, however, Pennsylvania proudly breaks this mold. Several other states, such as South Dakota and New York also require proof of insurance on snowmobiles. With this being said, several states have begun to reconsider their current laws and the future may hold many more states requiring insurance for these vehicles.
At their core, insurance policies for snowmobiles are very similar to the ones issued for any other automobile. For one, these are not inexpensive purchases. To buy a new snowmobile can be a costly choice, one that should not be taken lightly. Even more, many people will wish to finance their purchases as they would with a traditional vehicle. These lenders will require insurance. If the vehicle is destroyed while the purchaser is still paying on it, the insurance will protect them from having to make payments on something they no longer own.
What Type Of Insurance Policy Do I Need For My Snowmobile?
Similar to insurance with any other vehicle, the type and amount of insurance depends on the specific policy the owner wishes to pay for. Pennsylvania requires snowmobile owners to have, at a minimum, liability coverage. The most common are Pennsylvania snowmobile insurance policies contain liability and medical coverage:
- Liability is required in the case of accidents involving someone else’s property. While in most cases with a car, this means another vehicle – with a snowmobile it is more likely to involve a building, fence, or home. This insurance will cover damage done to the other person’s property. Liability insurance coverage is required for all snowmobiles that are required to have general registration. Proof of this coverage should be carried by the operator. The law does not specify a minimum dollar amount for this coverage.
- The second is medical. Many accidents involving snowmobiles have to do with injury to the rider, not injury to third-party property. This means, if an accident occurs and the driver is injured, medical coverage will pay for any medical bills that they may accrue because of the accident. This is a highly advised coverage that is not usually mandatory.
- Another non-mandatory but highly recommended coverage is the road-side assistance plan. Since snowmobiles operate in hazardous weather, they are more likely to become stuck in mud, high snow, or even water. This coverage will help ensure the rider is not left stranded in the cold if such an accident happens.
- Another important potential coverage is comprehensive coverage. Snowmobiles are easier targets for theft than the standard car or truck, making them higher risk of disappearing under the owner’s nose. Comprehensive coverage will help pay for the recovery or purchase of a new vehicle in the case of such theft.
How Much Does Pennsylvania Snowmobile Insurance Cost?
The cost of the coverage will depend almost completely on which coverages the owner chooses to purchase. If they choose to purchase only the most basic (and minimally required by law) liability Pennsylvania snowmobile insurance, their costs and premiums will be much less than someone who chooses to add comprehensive or road side assistance to their policy. The more inclusive the protection, the more expensive the policy will ultimately be. On this low end, an annual snowmobile policy will run an annual of less than $100. However, the coverage will be minimal and could require large out-of-pocket expenses in the case of an accident.
The operator of a snowmobile involved in an accident must stop and give his or her name and address, the name and address of the owner of the snowmobile and its registration number to the other person(s) involved in the accident or to a police officer.
Ultimately, the best way to keep low Pennsylvania snowmobile insurance rates is to operate the vehicle safely at all times. Snowmobiles have quickly become an American pastime that can be a great activity for everyone in the family.
Pennsylvania Snowmobile Insurance
At Ekinsurance, we will make sure you have the legal amounts of Pennsylvania snowmobile insurance to comply with the PA state laws. We can also recommend other options that offer more protection than the state minimums. We always take into consideration how much your snow machine is worth and recommend insurance that will protect your income and assets if you are found at fault for an accident and sued.
There are many factors to consider while shopping for Pennsylvania snowmobile insurance. Our agents will be happy to go over all of your options and recommend the best recreational vehicle insurance policy for your needs and budget. PA drivers should give us a call today at (800) 821-2436, or fill out the form on this page for a free, no obligation PA snow machine insurance quote.