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SNOWMOBILE INSURANCE PROTECTING YOUR DREAMS

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Page 1: LET IT SNOW AUTO amfam.com SNOWMOBILE INSURANCE · LIABILITY Liability insurance protects you from damage you may do to others or to their property in the event of an accident. It

SNOWMOBILE INSURANCE

PROTECTING YOUR DREAMS

ADA-10167 CLASSIC—Rev. 3/15 © 2015

LET IT SNOWYou dream about mountains of the white stuff—

an untracked � eld, the crisp fresh air and the

sunshine sparkling on the snow. Trail riding with the

family, touring with your buddies—that’s what winter’s

for. Protecting your snowmobile, your trailer and you—

that’s what we’re for. With American Family, you get

dependable coverage, plus an agent to help guide you

along the way. Trails are open, start your engine.

We understand snowmobiles. Our agents can help

you choose the right kind of coverage depending on

the type of machine you own and how you ride. An

American Family snowmobile policy can be purchased

as either a broad package of coverage or as individual

coverages. So go ahead, get out there and make

some tracks, we’ll be riding right along with you.

®

ALL YOUR PROTECTION UNDER ONE ROOF ®

This brochure represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions.

Life insurance underwritten by American Family Life Insurance Company – other products are underwritten by American Family Mutual InsuranceCompany, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI 53783.

Printed on recycled paper. Please recycle.

Visit amfam.com to find an agent near you for a

FREE no-obligation Personal Insurance Review.

The trusted advice of an American Family Insurance

agent will give you the confidence and security to

pursue your dreams, no matter how they change

along the way, and make sure that you have

protection for everything that matters most to you.

We offer a variety of insurance products to cover

you, and your family, at every stage in life. Talk

to an agent to find out which discounts you may

qualify for and other ways to save!

AUTOHOME

BUSINESSLIFE

Page 2: LET IT SNOW AUTO amfam.com SNOWMOBILE INSURANCE · LIABILITY Liability insurance protects you from damage you may do to others or to their property in the event of an accident. It

SNOWMOBILE INSURANCE

PROTECTING YOUR DREAMS

ADA-10167 CLASSIC—Rev. 3/15 © 2015

LET IT SNOWYou dream about mountains of the white stuff—

an untracked � eld, the crisp fresh air and the

sunshine sparkling on the snow. Trail riding with the

family, touring with your buddies—that’s what winter’s

for. Protecting your snowmobile, your trailer and you—

that’s what we’re for. With American Family, you get

dependable coverage, plus an agent to help guide you

along the way. Trails are open, start your engine.

We understand snowmobiles. Our agents can help

you choose the right kind of coverage depending on

the type of machine you own and how you ride. An

American Family snowmobile policy can be purchased

as either a broad package of coverage or as individual

coverages. So go ahead, get out there and make

some tracks, we’ll be riding right along with you.

®

ALL YOUR PROTECTION UNDER ONE ROOF ®

This brochure represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions.

Life insurance underwritten by American Family Life Insurance Company – other products are underwritten by American Family Mutual InsuranceCompany, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI 53783.

Printed on recycled paper. Please recycle.

Visit amfam.com to find an agent near you for a

FREE no-obligation Personal Insurance Review.

The trusted advice of an American Family Insurance

agent will give you the confidence and security to

pursue your dreams, no matter how they change

along the way, and make sure that you have

protection for everything that matters most to you.

We offer a variety of insurance products to cover

you, and your family, at every stage in life. Talk

to an agent to find out which discounts you may

qualify for and other ways to save!

AUTOHOME

BUSINESSLIFE

Page 3: LET IT SNOW AUTO amfam.com SNOWMOBILE INSURANCE · LIABILITY Liability insurance protects you from damage you may do to others or to their property in the event of an accident. It

LIABILITYLiability insurance protects you from damage you may do to others or to their property in the event of an accident. It is important that if you or another covered driver are responsible for an accident, you are protected from the potentially catastrophic financial losses that may result from a lawsuit. Covered drivers include you, relatives in your household and anyone else driving your insured snowmobile with your permission.

Types of losses and related expenses that may be covered include:

• Bodily injury • Damage to other snowmobiles • Other property damage • First aid costs • Court costs • Defense costs • Lost wages

This coverage also includes liability protection for most types of trailers towed behind your snowmobile.

PROPERTYThis coverage helps pay to repair or replace your snowmobile if it is stolen or damaged. On the trail or in your garage, your snowmobile is covered.

Comprehensive CoverageThis provides coverage for accidental loss or damage (not caused by collision) to your snowmobile from most causes including:

• Fire • Theft • Vandalism • Falling objects

Comprehensive coverage only is not available.

Collision CoverageThis coverage helps protect you against loss or damage to your snowmobile caused by collision or rollover, whether or not you are at fault. You are also covered in the event you are the victim of a hit-and-run accident. Examples of covered perils include:

• Collision with other snowmobiles • Collision with stationary objects • Rollover • Damage to your trailer

Trailers/Accessories CoverageAs an added benefit, you also receive coverage for your snowmobile trailer if you purchase comprehensive and collision coverage. Snowmobile accessories used exclusively with snowmobiles, such as sleds, fuel containers and fire extinguishers, may also be covered.

Snowmobile Damage DeductibleA deductible applies to all physical damage covered under the comprehensive and collision coverages.

ADDITIONAL COVERAGEDepending on your situation, as well as where you live, you may choose to take advantage of the following additional coverages.

Medical Expense CoverageIf you or any other person riding your snowmobile is injured in an accident, this coverage helps pay for certain medical expenses up to the policy limits, regardless of who is at fault. Applicable medical expenses include usual and customary hospital expenses and ambulance charges.

Uninsured and Underinsured Motorist CoverageThis coverage protects you if you or any person riding on your snowmobile is injured by an uninsured or underinsured motorist.*

Uninsured Motorist Property Damage CoverageIf you are a resident of Illinois, Indiana, Ohio or Washington** you can purchase uninsured motorist property damage coverage.*** American Family may provide coverage for damages if your snowmobile is damaged by an uninsured vehicle. This coverage applies only if the identity and address of the owner or operator of the uninsured vehicle is known.

CLAIMSYou’re not out there alone.Even when you need to make a claim, you’re in good shape when American Family’s along for the ride. An agent who knows you and a claims representative who specializes in these situations can help make the process a smooth one. You may report a claim through your agent, online at amfam.com, or by calling our 24-hour claims line at 1-800-MY AMFAM (1-800-692-6326).

You’re not out there alone.Even when you need to make a claim, you’re in good shape when American Family’s along for the ride. An agent who knows you and a claims representative who specializes in these situations can help make the process a smooth one. You may report a claim through your agent, online at amfam.com, or by calling our 24-hour claims line at 1-800-MY AMFAM (1-800-692-6326).

Higher Liability Limits

When accidents happen, medical and legal bills can add up fast. For extra coverage, ask your agent about increased liability limits or a Personal Liability Umbrella policy.

* In Georgia, Underinsured Motorist Coverage is included in Uninsured Motorist Coverage.

** In Washington, the coverage is called Underinsured Motorist Property Damage.

*** In Georgia, Uninsured Motorist Property Damage Coverage is included in Uninsured Motorist Coverage.

***This coverage is only available in Georgia.

Page 4: LET IT SNOW AUTO amfam.com SNOWMOBILE INSURANCE · LIABILITY Liability insurance protects you from damage you may do to others or to their property in the event of an accident. It

SNOWMOBILE INSURANCE

PROTECTING YOUR DREAMS

ADA-10167 CLASSIC—Rev. 3/15 © 2015

LET IT SNOWYou dream about mountains of the white stuff—

an untracked field, the crisp fresh air and the

sunshine sparkling on the snow. Trail riding with the

family, touring with your buddies—that’s what winter’s

for. Protecting your snowmobile, your trailer and you—

that’s what we’re for. With American Family, you get

dependable coverage, plus an agent to help guide you

along the way. Trails are open, start your engine.

We understand snowmobiles. Our agents can help

you choose the right kind of coverage depending on

the type of machine you own and how you ride. An

American Family snowmobile policy can be purchased

as either a broad package of coverage or as individual

coverages. So go ahead, get out there and make

some tracks, we’ll be riding right along with you.

®

ALL YOUR PROTECTION UNDER ONE ROOF ®

This brochure represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions.

Life insurance underwritten by American Family Life Insurance Company – other products are underwritten by American Family Mutual Insurance Company, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI 53783.

Printed on recycled paper. Please recycle.

Visit amfam.com to find an agent near you for a

FREE no-obligation Personal Insurance Review.

The trusted advice of an American Family Insurance

agent will give you the confidence and security to

pursue your dreams, no matter how they change

along the way, and make sure that you have

protection for everything that matters most to you.

We offer a variety of insurance products to cover

you, and your family, at every stage in life. Talk

to an agent to find out which discounts you may

qualify for and other ways to save!

AUTOHOME

BUSINESSLIFE