Making an Insurance Claim after a Snowmobile or ATV Accident

Snowmobiles and ATVs in NB, NS and PEI are considered motor vehicles and must be insured, which means you have access to the same benefits that you have with a car or motorcycle. Among other things, you are guaranteed protection against a claim from another person, as well as access to medical benefits if you need them.

Accident Benefits

If you were injured in an accident, regardless whether it was single-vehicle or caused by someone else, you have access to medical benefits and wage replacement through your own insurance company. These are called Section B benefits. They can refund your medical expenses and cover a part of your lost income if you can’t work because of your injuries.

Claim against an at-fault person

If you had an accident caused by another rider you can also make a claim against his or her insurance, for things like future loss of income, future medical costs, and pain and suffering.

Hit-and-Run and Uninsured Drivers

Like car insurance, ATV insurance also protects you against hit-and-run accidents and uninsured riders. In that case you can file a claim with your own insurance company, just as you would have done against the other person’s insurance.

“Comprehensive” Coverage

Finally, like a car, snowmobile insurance policies offer optional coverage, for example against vehicle damage and fire and theft. This is the only optional part of the insurance policy – everything else is guaranteed by law.

What to do after the accident

As with any vehicle accident, it’s a good idea to get a medical exam afterwards. You should also know your legal rights, especially before talking to the insurance company.