Snowmobile Insurance is offered by many companies in a variety of coverage options:

                                         Bodily Injury & Property Damage Liability

                                         Comprehensive & Collision

                                         Uninsured/Underinsured Motorist

                                          Medical Payments

                                           Accesory  Coverage

                                           Road Assistance

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Snowmobile Accidents: A Growing Risk   by Peter Kent

Snowmobiling is quickly becoming a popular sport, with enthusiasts and clubs gaining ground nationally. However, with the increased popularity comes ever-increasing dangers, which is why manufacturers are encouraging safety and education for riders.

The International Snowmobile Manufacturers Association (ISMA) is actively involved in a worldwide campaign to encourage snowmobile safety and safety training programs. However, laws governing snowmobile operation vary widely among different states, and generally, there are fewer restrictions and regulations for operation than for other motor vehicles, including all-terrain vehicles. Causes of Snowmobile Accidents

Speed is a contributing factor to most fatal snowmobile accidents. Driving too fast often occurs when alcohol is involved. Consuming alcohol will not only impair one's judgment, but can also contribute to hypothermia. Driving a snowmobile at night can present another danger, as one's field of vision will be severely limited. According to the Wisconsin Department of Natural Resources, most fatal snowmobile accidents happen between 8:00 p.m. and 3:00 a.m. Drowning is another leading cause of snowmobile fatalities.

About two-thirds of  fatal snowmobile accidents that involve children are due to injuries to the head and neck, often cause by striking a stationary object. For this reason, the American Academy of Pediatrics recommends that children under 16 not be allowed to operate snowmobiles, and that all riders (drivers and passengers) be required to wear helmets. Snowmobile Safety

The most important snowmobile safety practices are:

* Maintain the snowmobile in top condition

* Wear appropriate gear including helmet and face shield or goggles; layers of clothing (water repellent); warm mitts or gloves; warm boots; windproof outer layer;

* Stay in control by knowing and staying within your own abilities and the abilities of the vehicle;

* Plan your route and tell someone else, including estimated time of arrival;

* Travel at a safe speed and be especially cautious at night -Avoid alcohol and drugs before and when driving;

* Ride with someone else - do not travel alone;

* Stay alert. Be aware of fatigue caused by the vibration and motion of the snowmobile and the sun and wind, all of which affect reaction time;

* Stay on marked trails;

* Make sure to cross streets and roads carefully, remembering to first stop before continuing at a right angle to the road - also always avoid crossing any bodies of water;

* Carry a safety kit containing a first aid kit, flashlight, matches, tool kit, and compass;

* If traveling in the mountains, be aware of avalanche dangers; 


 
When Snowmobile Accidents Happen

Most snowmobile crashes result in personal injury, which is why it is best to travel with someone else who may be able to help in the event of an accident. If you happen to go through the ice on your snowmobile, a specially made snowmobile suit should help you stay afloat for at least a few minutes. Pull up onto the ice and roll away from the hole, standing only when you are well away from the hole. Keep your mitts or gloves on.

If traveling in the mountains, which has the risk of avalanches, again be sure to have a partner. Carry rescue gear such as a beacon, radio, shovels, and probe poles for locating people who are buried in the snow. Dangers of Snowmobile Racing

Snowmobile racing is becoming increasing popular. The high speeds of snowmobile racing can result in loss of control and flipping of the vehicle and an increased the risk of striking objects or other snowmobiles. This means increased risk of personal injury. Manufacturer's Recall Alert

In 2006, a snowmobile recall occurred for about 3,600 snowmobiles sold in the United States and Canada. Enthusiasts of snowmobiling should absolutely be aware that with snowmobiles, as with any kind of vehicle, there is always a significant possibility of mechanical malfunctions and defects that can result in death or injury. The snowmobile manufacturer for this recall is Bombardier Recreational Products (BRP) out of Quebec, Canada. BRP manufactured the 2005 and 2006 Ski-Doo models in which ring gears fragment at high speeds releasing high speed debris. This flying debris has caused injuries including lacerations and fractures.

If you have been injured in a snowmobile accident, you may have a legal case. Get in touch with an expert snowmobile accident lawyer in order to help determine whether or not you could be eligible for some kind of compensation.

About the Author Peter Kent is the best-selling author of 50 books and hundreds of newspaper and magazine articles.


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