Snowmobile Liability Insurance

Snowmobile Liability Insurance:

Wisconsin winter activity enthusiasts have been provided with some of the best snow fall totals in recent memory and they’re taking advantage of it!  Wisconsin’s most popular winter activity is snowmobiling.  Over 25,000 miles of snowmobile trails run through the entire state and with the recent snowfall over 224,000 riders are making sure they’re getting plenty of use!  These high powered machines offer plenty of fun, but also create a great amount of risk if not used properly.  Snowmobiles can weigh up to 600 pounds and can reach speeds in excess of 90 mph (sporting sleds can go even faster).  These two factors alone are enough to make liability coverage crucial before hitting the trails.  Snowmobile liability coverage will help protect you if you’re found responsible for damage to property or for bodily injury to another driver or pedestrian.  If you have a high value sled, it would also be wise to add physical damage coverage for the snowmobile itself!

Snowmobile Accident Statistics:

Each year, Wisconsin experiences numerous snowmobile fatalities.  Common factors in most fatal accidents are:

  1. Speed
  2. Alcohol
  3. Lack of Education

These machines are similar to vehicles and responsible alcohol consumption should be practiced whenever operating a machine.  One obvious difference between a vehicle and a snowmobile is that there is little to no protection for the operators body itself.  Wearing a helmet and completing a Wisconsin Safety Certified Snowmobile course can greatly reduce your odds of a fatal accident.

Below is a Wisconsin DNR info graph highlighting snowmobile fatalities in Wisconsin based on the number of registered operators.  If you’re interested in learning more about Wisconsin’s snowmobile accidents or if you would like to enroll in a safety course, follow this link to the Wisconsin DNR website:

Snowmobile Data