{"id":7279,"date":"2024-01-08T03:53:00","date_gmt":"2024-01-08T03:53:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7279"},"modified":"2024-01-08T15:56:10","modified_gmt":"2024-01-08T15:56:10","slug":"snowmobile-insurance-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/snowmobile-insurance-in-california\/","title":{"rendered":"What Does Snowmobile Insurance Cover in California?\u00a0"},"content":{"rendered":"\n
What if you could make your next winter adventure \u201ccooler\u201d than ever before? <\/p>\n\n\n\n
For California residents, there’s nothing quite as awesome as taking a snowmobile out for an unforgettable adventure. To ensure your adventures last as long as possible, however, it\u2019s important to get the right snowmobile insurance<\/a>. <\/p>\n\n\n\n You might hesitate to get such coverage because you have questions ranging from \u201cWhat does snowmobile insurance cover?\u201d to the most essential question of all: \u201cDo I really need another insurance policy?\u201d This guide will answer those questions and ensure your next outdoor adventure is fully protected! <\/p>\n\n\n\n Snowmobile insurance functions very much like your automobile insurance<\/a>. Typically, a policy will provide liability coverage that helps pay for damage you might accidentally cause to people or property and collision coverage that will pay for damage to the vehicle itself after a crash. The policy also provides comprehensive coverage that applies to scenarios where you aren\u2019t behind the wheel, effectively protecting your ride from theft or even damage from local animals or falling trees. <\/p>\n\n\n\n As with automobile policies, it\u2019s possible to add additional insurance riders that cover other scenarios. For example, you can add protection for uninsured riders, medical payments protection, and protection for your snowmobile accessories. Between these additional riders and the ability to tweak the limits of different kinds of coverage, it\u2019s possible to completely customize a policy to suit your needs. <\/p>\n\n\n\n California requires that all drivers maintain a minimum level of liability coverage for their cars. That leads to a natural question: Are you legally required to have snowmobile insurance in California? <\/p>\n\n\n\n In short, the answer is both \u201cyes\u201d and \u201cno.\u201d If you are driving your snowmobile on public roads or public lands in California, then you are legally required to have liability coverage for $15,000\/$30,000 (bodily injury) and $5,000 (property damage). If you are sticking only to private roads and lands, however, such coverage is legally optional. <\/p>\n\n\n\n With that being said, it\u2019s highly recommended that you purchase a policy for your ride. Not only is such a policy highly affordable (more on this soon), but liability protection<\/a> can keep a single accident from leading to nasty legal fees (plus, it may be required by your lender if you financed the vehicle). Remember, even successfully defending yourself in court could potentially bankrupt you. <\/p>\n\n\n\n California is such a sunny place that those who enjoy riding snowmobiles have to get their holly jollies only during the wintertime. This begs the question: Should you go ahead and cancel the policy after winter to not pay your premium during the summer months? <\/p>\n\n\n\n Surprisingly, the answer to this is \u201cno.\u201d If you constantly cancel and renew policies like this, you may find that your insurance carrier will dramatically increase the cost of your premium from season to season. In some cases, the carrier may even refuse coverage altogether after you cancel enough times. In most instances, you are better off getting a good price on a policy from a reputable carrier and maintaining that policy year-round.\u00a0<\/p>\n\n\nWhat Is Snowmobile Insurance?<\/strong> <\/h2>\n\n\n\n
Keeping Your Adventure Covered<\/strong> <\/h2>\n\n\n\n
Should I Cancel My Snowmobile Insurance After the Winter?<\/strong> <\/h2>\n\n\n\n