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.
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.
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.