MMA Blog

5 Tips to Keep Your Snowmobile (And Yourself) Safe

Snowmobiles can be a fun way to explore the back country in winter. You can travel further than it's possible on foot, especially in deep snow. They're great for family fun when you want an outside activity that has the added bonus of beautiful winter scenery. They're also a practical way to get around snowbound back roads that won't see a plow any time soon.

But are you keeping yourself safe enough while you snowmobile (and after)? Here are some quick tips to keep in mind when you're having fun with a snowmobile this winter.

1. Follow all Rules of the Road

Just because you're traveling on a snowmobile doesn't mean that you don’t have to follow traffic rules. If you're traveling on a road, you must stay in your lane, stop at signs and lights, and behave responsibly. Not only are road rules a must from a legal standpoint, but they also keep you safe. Recently a snowmobile rider was killed, and another injured when the machine failed to stop at a sign in West Yellowstone.

2. Avoid Avalanches

Even if you're a snowmobile renter, not an owner, make sure you get training and information on safe operation before you set out. Snowmobilers who engage in "high marking" on snowy slopes (a practice of traveling in high arcs) can cause dangerous avalanches.

The International Snowmobile Manufacturers Association (ISMA) notes that slopes of 30-60 degrees can easily cause avalanches. Riders should be very careful to avoid traveling on, or even parking at the bottom of steep slopes. Wearing an avalanche receiver, and being clear on your destination with those left at home, can help save riders in an emergency situation. Checking the local avalanche bulletin before you set out can help you plan the safest routes in snowy mountain conditions.

3. Get Training on Your Vehicle

Whether you're renting or own your own snowmobile, it's still likely that you don’t ride it daily. When you're getting ready to travel by snowmobile, take care to check that the machine is in good working condition, fully fueled and doesn’t present any potential issues. You wouldn’t want to break down in the backcountry if you can help it, so make sure to have everything in order before you set out.

If you're getting on a snowmobile for the first time, make sure you know what you're getting into. Inexpensive or even free online snowmobile training is available via videos, apps, instructional classes, manuals and more. Some states require adult snowmobile operators to complete certain courses before they get behind the wheel, so check with your area before you get going.

4. Prepare for the Elements (and Animals)

While it's often cold out when you're on a snowmobile, it's going to get colder when you get moving. Make sure you wear enough layers, have adequate snow protection if you get wet, and have emergency materials if needed. Helmets are always a good idea (though not always required by law), as are good snow goggles, thick (or layered) gloves, a snowsuit, sturdy snow boots, and lots of warm layers underneath.

If you encounter wild animals, slow down! A herd of frosty elk, buffalo, deer or even a distant moose are wonderful rewards for getting out into the backcountry on a snowmobile, but you have to be careful. Threatened animals can charge, and on a snowmobile you're very exposed. Going slow, staying seated, and being respectful of wild animals are the perfect ways to stay safe and make memories.

5. Get Fully Covered

In National Parks like Yellowstone or Yosemite, snowmobiles are required to stay on groomed roads that are shared with pedestrians, skiers, and drivers. Make sure you have the proper permits for your route, whether it's on public or private property and obey all local, state, and federal laws regarding operation of a motor vehicle (e.g., don't drink and snowmobile, don't destroy property or trespass and don't leave designated areas).

While you're at it, make sure your insurance fully covers your snowmobile fun, too. While your automobile collision insurance might help cover damage to your own snowmobile if you should hit something, it won't help fix that struck fence or other vehicle. Liability insurance will help to pay medical bills if someone you strike on a snowmobile is injured. Comprehensive coverage can help if your snowmobile is damaged due to flood, theft, or even vandalism (but not a crash).

Most important to snowmobile renters is the fact that most rental agreements only have some collision insurance, and it may not be more than your current auto policy already covers. Before you sign on that dotted line, check the language against your own auto policy to see if the extra fee is worth it (or not).

 

Get a snowmobile quote

Keep Up To Date

Subscribe to our blog for all the latest news, updates, and events from MMA and our partners

Subscribe

Tell us what you need. We’ll take it from there.

Get a Quote


    YesNo












        First, tell us about you:






        EmailPhone



        Next, tell us about your business:






        Now tell us about the coverage or coverages you need:


        Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


        You are ready to submit the form:


          First, tell us about you:






          EmailPhone






          Next, tell us about the coverage or coverages you need:


          AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



          NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


          Now you are ready to submit the form:


            First, tell us about you:






            EmailPhone






            Next, tell us about the coverage or coverages you need:


            AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



            NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


            Now you are ready to submit the form:


              First, tell us about you:






              EmailPhone



              Next, tell us about your business:






              Now tell us about the coverage or coverages you need:


              Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



              NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


              You are ready to submit the form:


                First, tell us about you:






                EmailPhone







                Next, tell us about the coverage or coverages you need:


                AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance


                Commercial InsuranceEmployee BenefitsEmployee Health InsuranceSurety



                NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                Now you are ready to submit the form:





                    First, tell us about you:






                    EmailPhone





                    Step 1 of 2Next

                    Next, tell us about the coverage or coverages you need:


                    AutoHomeIndividual HealthUmbrellaRecreational

                     

                    WatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                    Now you are ready to submit the form:


                      First, tell us about you:






                      EmailPhone


                      Step 1 of 3Next

                      Next, tell us about your business:





                      Step 2 of 3Next

                      Now tell us about the coverage or coverages you need:


                      Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                      NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                      You are ready to submit the form:


                        First, tell us about you:






                        EmailPhone





                        Step 1 of 2Next



                        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                        Now you are ready to submit the form:

                          Review Form


                            First, tell us about you:






                            EmailPhone








                            NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                            Now you are ready to submit the form:


                              First, tell us about you:






                              EmailPhone






                              Next, tell us about your claim:






                              NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                              Now you are ready to submit the form:


                                First, tell us about you and your business:







                                EmailPhone



                                Next, tell us about the surety bond you need:







                                NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                                Now you are ready to submit the form:


                                  First, tell us about you:






                                  EmailPhone



                                  Next, tell us about your business:






                                  Now tell us about the coverage or coverages you need:


                                  Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                                  NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                                  You are ready to submit the form:


                                    First, tell us about you:






                                    EmailPhone






                                    Next, tell us about the coverage or coverages you need:


                                    AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                                    Now you are ready to submit the form:


                                      First, tell us about you:






                                      EmailPhone







                                      Do you have insurance with us already?




                                      Tell us what you need:




                                      NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.


                                      Now you are ready to submit the form:

                                      cross linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram