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SNOWMOBILE ENDORSEMENT PP 03 20 09 18 ANALYSIS

ENDORSEMENT TO THE PERSONAL AUTO POLICY.

February 05, 2024 at 05:26 AM

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Summary: Under current personal auto rules and forms, privately owned
snowmobiles may be insured for liability, medical payments, uninsured motorists,
and physical damage coverages by endorsement to the personal auto policy. From
the standpoint of coverage, this method of insuring snowmobiles is in many ways
preferable to insuring snowmobiles by a homeowners policy endorsement. Among the
advantages of the personal auto endorsement are that it 1) provides uninsured
motorists and physical damage coverages (not available under homeowners
endorsement HO 24 64 03 22) if desired; 2) does not exclude a snowmobile which
is subject to motor vehicle registration; and 3) includes the named insured or
any family member under medical payments coverage, unlike the homeowners
endorsement, which only provides liability coverage. For more information on the
homeowners endorsement, see Standard Homeowners Endorsements.

> Topics covered:
> 
> Snowmobile endorsement




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