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12-03-2006, 11:13 PM
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#1 (permalink)
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Registered User
Join Date: Aug 2006
Location: Hudsonville, Michigan
Posts: 34
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Insurance needed to ride in Michigan?
I'm a new snowmobiler in Michigan. I know you need registration and trail sticker, but do you need insurance also?
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12-04-2006, 06:56 AM
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#2 (permalink)
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King of the Universe
Join Date: Jan 2005
Location: Rochester Hizzle, MI
Posts: 6,577
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Not mandatory!
__________________
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2003 AC F5 (Jr's Dec 07 SOTM & 2008 SOTY)
2003 AC F7 EFI SP (April 06 SOTM)
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"It's a public access forum, you post stupidity, expect to get flamed." - RJ Gleason
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12-04-2006, 02:33 PM
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#3 (permalink)
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Registered User
Join Date: Aug 2006
Location: Hudsonville, Michigan
Posts: 34
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Thanks for info - sorry I posted in wrong forum!
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02-07-2008, 08:27 AM
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#4 (permalink)
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Try to catch my CAT
Join Date: Oct 2006
Location: SLIPPERY ROCK,PA
Posts: 2,305
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Is this still true for 2008?
__________________
2002 CHEVY SILVERADO Z71 4/dr EXT CAB
ARCTIC CAT
04 FIRECAT F7 EFI Carbon Tech Reeds,Black Magic can,Simmons Flex-Skis
05 FIRECAT F7 EFI W/Reverse,air intake
Worthington Flip Top Trailer
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02-07-2008, 09:50 AM
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#5 (permalink)
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King of the Universe
Join Date: Jan 2005
Location: Rochester Hizzle, MI
Posts: 6,577
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Yup!!
__________________
********************
2003 AC F5 (Jr's Dec 07 SOTM & 2008 SOTY)
2003 AC F7 EFI SP (April 06 SOTM)
********************
"It's a public access forum, you post stupidity, expect to get flamed." - RJ Gleason
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02-07-2008, 10:44 AM
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#6 (permalink)
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Registered User
Join Date: Nov 2007
Location: Lapeer, MI
Posts: 70
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If you have a lean on the snowmobile, the bank will require you to have insurance on the machine. If you ride an old beater like me, then its your choice to have insurance. If it gets stolen or damaged, your out the machine.
__________________
1989 Yamaha Exciter My Sled
1985 Yamaha XLV Wifes Sled
1977 Arctic Cat Kitty Kat Sons Sled
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02-07-2008, 03:25 PM
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#7 (permalink)
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The Nowledgable Yooper!
Join Date: Jan 2007
Location: Marquette, Michigan
Posts: 456
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Yea, not required but i agree with the loan part but if you got the old beater(which is also fun) then y bother?
__________________
08/09 Miles-1015 ΑΣΦ-Alpha Sigma Phi
2009 Jan. S.O.T.M Winner!!!
CAN IT!If you have a can on your sled keep it OFF the trails
2008 RevXP 800r, 2006 Mach Z 1000, 2006 Rev 500ss Assault, 2004 MXZ 380f, 97 Touring LE 440, 96 Indy Lite 340, Tundra
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02-07-2008, 03:49 PM
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#8 (permalink)
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Registered User
Join Date: Nov 2007
Location: Lapeer, MI
Posts: 70
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Because, if you have insurance on it, and it gets totaled out, the insurance company may give you more than what you paid for it. Thus you can go out and get a better snowmobile. I wouldn't recommend doing it, but its possible scenario. Also, another great thought i just had is: If your on the trail and you hit somebody and you don't have insurance, do you have to pay there medical bills, or would the insurance company that you have your sled through take care of that? I assume that since Michigan is a no-fault insurance state it applies to all vehicles?
I dont condone going out and totalling your machine just to find out that im probably completely wrong.
__________________
1989 Yamaha Exciter My Sled
1985 Yamaha XLV Wifes Sled
1977 Arctic Cat Kitty Kat Sons Sled
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02-07-2008, 05:21 PM
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#9 (permalink)
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King of the Universe
Join Date: Jan 2005
Location: Rochester Hizzle, MI
Posts: 6,577
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Quote:
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Originally Posted by zilla600
Because, if you have insurance on it, and it gets totaled out, the insurance company may give you more than what you paid for it. Thus you can go out and get a better snowmobile. I wouldn't recommend doing it, but its possible scenario. Also, another great thought i just had is: If your on the trail and you hit somebody and you don't have insurance, do you have to pay there medical bills, or would the insurance company that you have your sled through take care of that? I assume that since Michigan is a no-fault insurance state it applies to all vehicles?
I dont condone going out and totalling your machine just to find out that im probably completely wrong.
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You're dreamin'!!
__________________
********************
2003 AC F5 (Jr's Dec 07 SOTM & 2008 SOTY)
2003 AC F7 EFI SP (April 06 SOTM)
********************
"It's a public access forum, you post stupidity, expect to get flamed." - RJ Gleason
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02-08-2008, 01:24 AM
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#10 (permalink)
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Super Moderator
Join Date: Feb 2005
Location: Groton NY
Posts: 14,864
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Required or not, it's just smart to have it to CYOA. In case of any trouble in this sue happy time in which we live.
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02-08-2008, 08:11 AM
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#11 (permalink)
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King of the Universe
Join Date: Jan 2005
Location: Rochester Hizzle, MI
Posts: 6,577
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Quote:
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Originally Posted by RJ Gleason
Required or not, it's just smart to have it to CYOA. In case of any trouble in this sue happy time in which we live.
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You said it!!! It just makes sense!! 
__________________
********************
2003 AC F5 (Jr's Dec 07 SOTM & 2008 SOTY)
2003 AC F7 EFI SP (April 06 SOTM)
********************
"It's a public access forum, you post stupidity, expect to get flamed." - RJ Gleason
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02-29-2008, 09:21 AM
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#12 (permalink)
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Registered User
Join Date: Jan 2008
Location: Beulah, MI
Posts: 136
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When my agent took pics of my house for homeowners ins, one of the sleds was in the pic. The insurance company required me to include the sleds under the liability part of my homeowners. Only added a few dollars a year and the peace of mind is worth it. Doesn't cover the sleds, just the damage I might do with them ( hopefully not do wtih them!!)
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02-29-2008, 05:46 PM
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#13 (permalink)
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-LIFETIME MEMBER-
Join Date: Sep 2004
Location: NW WISCONSIN
Posts: 1,845
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YEAH 
__________________
87 TOYOTA 4x4
08 Yamaha Grizzly 700 fi eps
Clowns to the Left of Me ~ Jokers to the Right
http://www.atv-forum.com/
Last edited by RJ Gleason : 03-02-2008 at 10:21 AM.
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