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Insuring Winter Vehicles

January 6, 2016

Do you drive specialty vehicles in winter?  A snowmobile or an Artic Cat?          www.snowcatservice.com                 


Does your business use a snowplow or a Zamboni?      www.goodmedizen.com                               

These are not vehicles that are usually covered under your normal auto or homeowners policy.  These are vehicles that are associated with higher risk than your personal truck or sedan.  A snowmobile can travel at high speeds over uneven ground and off road.  An Artic Cat or a snowplow are often used in bad visibility weather making driving conditions more dangerous. Because of the higher risk, insurance carriers insure these separately.

Here’s a breakdown of the types of insurance that cover your unusual form of transportation.

  1. Snowmobile – specialty motorcycle policy
  2. ATV – specialty auto policy
  3. Sno-Cat – commercial auto policy
  4. Snowplow – commercial auto policy
  5. Ice Resurfacer – business equipment

Insurance for these vehicles is similar to auto insurance, because the same financial risks apply.  Most policies have collision, comprehensive, liability, and uninsured/underinsured motorist coverages available.  Pricing for these policies vary greatly, by vehicle, state, age of drivers, deductibles, etc.  Check with a local agent for details.

If you don’t have a winter vehicle yet, you may want to get one of these – NOT!

2016 is going to be a great year.  Ride safe and have fun!

—E. A. Cooke

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