Though consumers can enjoy a variety of winter recreational activities, some are more dangerous than others, which is where proper life insurance coverage comes in handy.
Recreational snowmobiling, for example, has grown in popularity over the years, but it can be extremely dangerous. Snowmobile accidents cause approximately 13,400 injuries and 110 deaths each year, according to the United States Product Safety Commission.
Most snowmobile accidents are avoidable because the majority of them are caused by driver errors, improper vehicle use, driving under the influence of alcohol, or inexperience with the terrain.
While drivers are responsible for the majority of accidents, there are some that are not their fault, such as manufacturer defects, bad weather, or poorly designed paths.
Consumers should consider life insurance protection before hitting the trails this winter, given the number of accident-related injuries each year.
Furthermore, the Illinois Department of Insurance reminds people to make sure they are covered in other ways when using a snowmobile. They recommend the following suggestions:
- Including an endorsement to a homeowner’s insurance policy
- Adding a policy endorsement to a car insurance policy
- Purchasing a policy designed specifically for recreational vehicles.
- Thinking about an umbrella policy
Consumers will be protected for liability coverage as well as physical damages associated with accidents, depending on the coverage.