Basic Protection
Bodily Injury Liability Coverage
If your snowmobile hits another person or vehicle, causing bodily injuries that you are responsible for, this coverage pays for their medical expenses, legal fees, and settlements if a claim arises. It specifically covers the medical costs of the other driver, bystanders, or any third party injured in the accident.
Property Damage Liability Coverage
Snowmobiles can easily damage fences, vehicles, or other property during a crash. Property Damage Liability Coverage helps cover the repair or replacement costs of damaged property. For snowmobile riders navigating Michigan trails, this coverage is critical to protect you from expensive out-of-pocket costs or potential lawsuits.
Uninsured/Underinsured Motorist Coverage
Not every snowmobile rider carries insurance or has enough coverage to pay for damages. If you’re involved in an accident with an uninsured or underinsured snowmobile operator, this coverage ensures your medical expenses and property damage are taken care of. It’s essential for riders who want protection against others’ negligence, especially when they can’t compensate for their liabilities.
Medical Payments Coverage
Accidents on icy trails or rough terrain can happen even if you’re riding responsibly. PLPD’s Medical Payments Coverage pays the medical treatment costs of you and your passengers. This includes emergency care to hospital bills after a snowmobile accident, regardless of who’s at fault. This coverage is vital to ensure your health and finances remain protected while enjoying winter riding.