Snowmobile owners should purchase liability insurance, said insurance advisor Josee Jalbert in Williams Lake.
An ATV owner herself, Jalbert said the basic insurance covers crossing roads and loading and unloading in parking lots.
It does not cover riding on Crown land or forest service roads, while liability polices do.
Jalbert said the cost for liability insurance is between an extra $50 to $100 for $250,000 up to $2 million liability.
“You get to pick which one you want, but you should choose the highest liability that is offered,” she said.
Even with regular vehicles, adding $5 million liability costs about an extra $50 a year, she noted.
Giving a personal example, Jalbert said her wife was in a car accident four years ago.
“Because the person only carried $500,000 liability, she can only recuperate $500,000, even though she is losing $2.5 million in wages for the rest of her working years.”
People also need to understand no-fault insurance means everyone is at fault and it takes the fault off one person and spreads it to both people, Jalbert said.