Insurance Coverage for Snowmobiles, Snowmobilers,
and Safe Snowmobiling!
"Have
fun but be Prudent" says my Mom!
Riding
a snowmobile can be fun and exciting, but it has risks. Fortunately,
most of them can be avoided by following some simple safety
tips each and every time you ride. Here are a few suggestions
that will help keep you protected while you're out on the
trail. Before You Ride
Snowmobile
Insurance
Understand
the law
Regulations regarding
snowmobile registration and use are different in different parts of
the country. Some areas also have age restrictions for snowmobile
operation. Check with the local DNR, law enforcement agencies, dealers
and clubs in the area to make sure you're following all the rules.
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Protective
Gear.
Every time you ride,
be sure to wear protective gear in case of an accident, and to keep
you warm when you're out in wintry weather. Wear layers of clothing
so you can add or remove layers depending on the weather conditions.
A safety-certified helmet, warm gloves or mittens, a windproof outer
layer and warm boots are your best bet for optimum protection.Snowmobile
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Think
ahead.
Plan for whatever could
happen. Carry your owner's manual, an extra belt, extra spark plugs,
a tow rope, a small tool kit, spare parts, a flashlight, a first-aid
kit and a few survival items such as a space blanket, waterproof
matches and a compass.Snowmobile
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Check
it out.
Be sure to check that
your snowmobile is running properly before hitting the trail. Check
your owner's manual and your dealer to make sure that your machine
is in top shape before you head out. Follow the recommended service
schedule for your snowmobile and be sure to have all repairs made
by an authorized service provider.
On the Trail
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Tread
lightly.
Stay safe and legal
within the areas you're permitted to ride. And respect nature. Wait
for enough snow to cover vegetation so you don't destroy it, avoid
running over trees and shrubs and don't disturb any wildlife that
you might come across.Snowmobile
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Maintain
control.
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When riding, it is
very important to maintain a speed that's right for the conditions
and your experience. Be aware of current terrain, visibility and
weather conditions. Always be alert, and scan your surroundings
for potential hazards or obstacles.Snowmobile
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Take
a friend.
Don't snowmobile alone.
It's more fun - and safer - to take a friend along.Snowmobile
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Take
care.
Be careful when crossing
roads of any kind. Make sure that you stop completely and that no
traffic is approaching from any direction. Remember basic hand signals
to indicate to other drivers that you are turning. Be extra careful
at night or in low-light conditions. Use your headlight.Snowmobile
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Beware
of water.
The safest rule of
thumb when snowmobiling is never to cross over a frozen lake, pond
or stream. You run the risk of breaking through the ice, and starting,
stopping and turning are more difficult due to less traction. Drowning
is a leading cause of snowmobile fatalities, so if you're going
to snowmobile on ice, make absolutely sure the ice is safely frozen.
Consider buying a buoyant snowmobile suit.Snowmobile
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Be
sharp.
Alcohol, drugs, cold
and fatigue can all impair your ability to reason and make sound
judgments. Ride only when your senses are sharp. And do not drink
or do drugs then drive.Snowmobile
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Learn
more.
Improve your riding
skills by taking a training course before going it alone on your
snowmobile. Know the capabilities of your machine and don't push
it beyond them. Know your driving abilities and stay within safe
limits. Know the area where you're going to be riding - get a map
and ask other snowmobilers about the conditions and terrain.Snowmobile
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Know
you're protected.
In addition to operating
your snowmobile safely, it is also important to have 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.
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