Formerly "Middle Aged Sled Guy":
"partner" ?? not gonna happen. the NYSSA policy indemnifys landowners and clubs now and guess what, there arent many lawsuits filed. that coverage is cheap because there arent any awards against land owners or clubs.
this wont work for individuals and if it did, it means that coverage would be crazy expensive. never gonna happen. ever.
all of these unfortunate accidents will end up in court and the insurance company will have to defend and settle.
if it can be shown that someone is negligent or "at fault", then that company will pay the claimant the limits of the policy if there is a threshold injury or death.
given that, sled insurance prices will continue to increase as the number of lawsuits and the hp/weight ratio continue to increase.
like everything else with this problem, it comes down to personal choices. what coverage you choose to carry is your call. that can't be legislated either.
keep this in mind, in ny state, you DO NOT have to insure a boat. think about that one. no insurance requirement to operate a 30 ft 800 hp boat.
11 XR1200 renegade X
08 XP sdi X
04 rev sdi X xps II
proud member of KASOAG trailblazers and huge supporter of our excellent groomer operators !!
please SUPPORT your local club. lend a hand and help out. YOU can make a difference.
PLEASE ride on your side NOT MINE. Stay to the RIGHT especially on the turns. if you drift left, someone gets hurt.
YOU DONT RIDE ?? then i see absolutely no reason to talk to you.
All I am saying is that it seems to work in Quebec. If you buy a permit it includes $500,000 in liability coverage. So only those riding without a permit could be uninsured or underinsured. And if they are caught without a permit I think it's about $600.
No B.S. here, just fact.Ask me.
Johnny Jerkoff is 30, lives at home, has a crack cocaine problem so he is broke, Mom & Dad are happy he found something to interest him, he likes to snowmobile,they buy him a sled, he hits the trails uninsured because he skipped his last payment, so his insurance was canceled, he takes off down Little John Drive, gets carried away, drifts left and takes me out, puts me in the hospital, I am out of work for 9 months.
I had to airlifted, intensive care and hospital bills close to $175,000, he walked away, doesn't care.
takes me a year to recover...
my lost wages cannot be recovered, he is an adult, has no assets, can't sue Mom & Dad.
My uninsured motorist policy had to cover it so the insurance company drops me and my rates go up.
the insurance industry estimates 1 out of 8 people on the road are uninsured, I know they want to sell policies, but that is a good reason to be sure you have all your limits up , including uninsured motorists, I have an umbrella policy to cover my liability up to $1,000,000.
but I feel I am going broke being overinsured on 2 boats, 1 car, 1 truck,camper house & sled, just to try and protect myself.
Quebec raised their liabilty policy to $1,000,000 this year,
now who's got their sh!t together?
Last edited by "not quite over the hill guy"; 02-22-2017 at 07:19 PM.
Formerly "Middle Aged Sled Guy":
keep this in mind, in ny state, you DO NOT have to insure a boat. think about that one. no insurance requirement to operate a 30 ft 800 hp boat.[/QUOTE]
My boat is 30' but only 400 hp! I still have full coverage on it tho!! 😆
I'm overinsured, but I sleep well at night.
With my umbrella, I am up to $1.5 million total in liability; lots of PIP, SUM, SUI or whatever the abbreviation is.
Disability insurance for lost work time; good health insurance should take care of the hospital bills.
Despite what you read on this site, we are in the Golden Age of Snowmobiling.
Our trails are in good to excellent condition 90% + of the time.
Our clubs are, for the most part, well-run by dedicated volunteers and leadership.
Grooming is pretty consistent across the State.
Your sled is likely the most comfortable, reliable and fuel efficient snowmobile you've ever owned.
Responsible property owners 99.9% of the time will be overinsured... they would be dumb not to be.
It's the knotheads who have nothing to loose who are out on the trails with no insurance, registration or life that you need to worry about because they live at home with mom and dad and can buy a 800cc sled for $150 a month because the dealers/manufactureres will finance it and don't give a rat's azz that the kid will drop the insurance after the first payment.