Comprehensive and Collision coverage pays to repair or replace your snowmobile if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage.
With Collision coverage, your insurance company pays for damage to your snowmobile when you collide with another vehicle or object. If you hit a snowmobile, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your snowmobile caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your snowmobile catches on fire or is stolen, Comprehensive coverage will apply.