What type of coverage do you need?

Snow can be seen as a negative thing by some people, if you have to travel or even leave the house. But, to others, snow means that you can go snowboarding, skiing or snowmobiling and have fun! Snowmobiles are super fun, but like any vehicle there are risks involved. According to the National Center for Biotechnology Information, snowmobiles can weigh in excess of 600 pounds and travel at speeds exceeding 90 miles per hour. Each year snowmobile accidents produce approximately 200 deaths and 14,000 injuries, says the NCBI. Some ways to make sure you are being safe when riding your snowmobile are:

  1. Be aware of the conditions and slow down at night- Check out the weather forecast before you head out. You should also slow down at night, especially around frozen water and in the mountains.
  2. Be smart- Keep your speed in check with the weather conditions and your experience operating this vehicle.
  3. Be prepared- Always have a first-aid kit and survival items such as a flashlight, knife, compass, flares and a fire starting kit.
  4. Don’t drink and drive- Alcohol slows your reaction time and decreases your ability to make good decisions.
  5. Don’t ride solo- Snowmobiling is more fun when you go with friends or family. But if you do decide to ride alone, make sure you tell someone where you are going and when you plan on returning.
  6. Dress properly- Wear protective gear sch as a safety-certified helmet, warm gloves, a windproof out layer and boots.
  7. Know the laws and regulations- State laws and regulations may vary; therefore you should familiarize yourself with the rules in your area.
  8. Know you’re protected- Be sure that you have the proper insurance coverage to protect your vehicle and provide liability coverage in case someone gets injured or property is damaged during the use of your machine.
  9. Maintain your snowmobile- Before each ride, make sure you follow a checklist in your owner’s manual.
  10. Tread lightly and respect nature- Ride only in areas where it’s permitted and don’t disturb the wildlife around you.

For more information on this topic or to discuss your insurance needs, please contact us at 888.304.6678 or visit our virtual insurance office.

Article found from: propertycasualty360.com

Posted 3:10 PM

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