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Legal Minute: Snowmobile Accident

You don’t need an injury lawyer, until you do.

A snowmobile crash is probably one of those times. There’s a lot of confusion about insurance coverage. A snowmobile technically isn’t a ‘motor vehicle’ for the purpose of the Insurance Act. EXCEPT that the Motorized Snow Vehicles Act deems a snowmobile to be a motor vehicle for the purposes of the Insurance Act.

Confused? Don’t be.  It boils down to this.  If you operate your sled off your property, it must be insured on an auto policy.

If you get hurt on your uninsured sled off your own property, you are not allowed to make a claim against any other insured driver for compensation.

Even if you’re on your own property, you should have your sled listed on your auto policy. If it isn’t covered, you could lose your right to income replacement benefits.

Things get murky after a snowmobile crash. You should speak to a lawyer before talking to any insurance adjuster.

You don’t need an injury lawyer, until you do. This is one of those times when you do.

Contact Bergeron | Clifford LLP

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