Snowmobile Insurance

Snowmobile Insurance from the Ryan Agencies

Western NY is a Snowmobile Lovers Paradise!

Before you hit the abundant and powdery white snowmobile trails that crisscross our neck of the woods, make sure your valuable snowmobile is properly protected.  It may be hard to image that the pristine white snow and quiet woods could result in trouble for you and your machine, but here are some of things the proper snowmobile insurance protects you against:

  • Damage to your snowmobile that results from an accident you or someone in your party is in.
  • Injuries you or someone else might sustain as a result of an accident.
  • Any damage you might accidentally cause to somebody else’s property while driving your snow machine.
  • Situations where someone on another machine injures you but doesn’t have enough insurance to cover your expenses.
  • Theft, vandalism, fire and other losses, even while your sled is in storage; and possible options including roadside assistance, safety apparel, optional equipment and trailers.
You wouldn't hit the trails without the proper equipment, so play it safe with with your insurance too.  Stop in and see us, or give us a call, to discuss the best protection and the best price for your snowmobile.

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Ryan Agencies Insurance Blog

By Ryan Agency Staff 20 Jan, 2018

Winter driving can be a challenge when you live in the part of the country with significant snow and ice each year. Dealing with snow is one thing, but ice is the real danger when driving. Knowing how to safely drive in icy  wintry conditions can literally save your life.

Get Snow Tires

Don't let the label fool you. Good snow tires aren't just for driving in snow. They have deeper treads and more grooves to help with traction and gripping the road. This includes ice as well as snow. So living in our area, getting good snow tires for your car is essential.

Take Your Time

The best trick for driving in wintry conditions is to take it slowly. Allow yourself a lot of extra time to get from A to B, and don't try to rush.

Leave Plenty ofRoom

Don't let your car get too close to other vehicles or the guardrails. In winter conditions you can lose control in the blink of an eye and having an obstacle just a few feet from you is a hazard. Keep an extra couple of car lengths between you and the car in front, and don't cut your corners too tight as you make turns.

Other drivers may not be as cautious as you are, so you want keep buffer space in case they are the ones to start skidding instead of you.

How to Handle a Skid

The first instinct if your car starts to slide is to hit the brakes. The problem is that you lose all control over the motion of the car when you do that, so you need to learn how to steer and slow properly instead of just trying to blindly stop. The old adage of "turning into the skid" is the way to go, providing you actually know what that means. You have to turn your steering wheel in the same direction that the back end of the car is heading. This will (ideally) prevent a spin and further loss of control. Ease up on the gas, and let the car slow down on its own rather than stomping the brake.

Always Be Prepared

Even if you are an old pro at winter driving, you can never control every situation. Being prepared in cold winter weather is the smart thing to do. Equip your car with a small shovel, bag of salt, sand or cat litter, and extra winter gear (like hats, and sturdy gloves), just in case you do end up off the road.

Making sure that your auto insurance has you covered in the case of a winter accident is also important.  Stop in and see us today - we would love to help.


By Jeff Ryan, CPCU® CIC® CLU® ChFC® 14 Jan, 2018

The short answer to the question is to simply meet your responsibility to call YOUR insurance company .

In the vast majority of cases, that should take care of the rest. Your insurance company will negotiate with the other carrier, determine fault, and determine who pays whom for what.

You can help the claims process by providing your carrier with the information about the other party and their insurance company. Confirm with your company claims representative that they will reach out on your behalf to the other carrier and pursue your interest.

Bottom line… it is the responsibility of your insurance company to represent you.

If for some reason, they don’t take that responsibility seriously, feel welcome to call the other insurance company and inquire if the claim has been filed and provide them your side of the story.

Additionally, if you have purchased your insurance from an independent insurance agency, contacting their customer service staff may be helpful.  Likely, they well enjoy assisting you with the claims process.

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