I always run collision insurance. Not because I am worrying about crashing my sled but I had a buddy get into a car accident and his trailer flipped over and smashed his sled up pretty bad. He was surprised when he found out that comp coverage doesn’t cover that. It’s a collision claim. His sled was written off with the trailer.
Ya, but driving down a trail that does not always fit two sleds, sometimes at high rates of speeds, I’d imagine assigning fault could get tricky.
I trust my skills as well, but that might not always work in my favour.
I also figured trailering my sled in not ideal conditions being winter and all, chances of a roadside accident, either my fault or others, was also a good probability.
I think adding collision has been somewhere in 2 hundred dollar range per year, so for me, always seemed reasonable to keep it for the added “insurance”, but I also get why some choose not too.
Collision is only for you being at fault, nothing else.
when you have sled worth 4000, with a 1,000 deductible, I am not going to pay 750.00 for no more than 3k worth of coverage for a loss that is my fault.
I’ll take my chances and trust my own skills.
now being on a new sled, the dice are put away and collision it is. 🙂
I’m around mid 6’s with full pop at TD - been basically the same price since new.
I’ve never not had full coverage either - too risky and hard to assign blame on the trails, and for trailering reasons too should an accident occur.