Do You Need Snowmobile Insurance In Michigan?

Although insurance is not required by the state, it is a good idea to protect yourself financially by insuring your snowmobile. Trail permits, ORV licenses, and snowmobile registration are all required by the state for snowmobilers.

What do I need to ride a snowmobile in Michigan?

  • Except on property owned or managed by the parent or legal guardian, may not operate a snowmobile without the direct supervision of an adult.
  • If they have a valid snowmobile safety certificate in their possession or are under the direct supervision of a person 21 years of age or older, they may operate a snowmobile.
  • They must have a valid snowmobile safety certificate in their possession before crossing a highway or street.

Do snowmobiles need to be registered in Michigan?

Unless operated on private land, all snowmobiles must be registered. For $30, you can get a three-year registration. The three-year snowmobile decal has the registration number printed on it. Decals on snowmobiles must be shown on “either side of the forward half of the cowl above the snowmobile’s footwell.”

Snowmobiles that are 26 years old or older and are only used as a collector’s item can be registered as a historic snowmobile. Historic snowmobiles are only allowed to be used on rare occasions and for club events, exhibitions, tours, parades, and other related activities, such as mechanical testing. The registration fee is $50 and is non-refundable. The historic registration, unlike standard snowmobile registrations, does not expire and cannot be transferred with the snowmobile to a new owner.

A single historic snowmobile decal is provided and put above or below the headlight, or on the forward portion of the cowl above the footwell if the historic snowmobile was not originally equipped with a headlight.

Snowmobiles do not have a title. Simply fill out the back of your snowmobile registration to transfer ownership. You can order a replacement registration online through Online Services or in person at a Secretary of State office if yours is destroyed or misplaced. The Michigan registered owner can also transfer ownership using a bill of sale that includes the year, make, vehicle identification number, registration number (if available), and the names and addresses of the buyer and seller. An out-of-state vendor must provide an assigned title, assigned registration, or a complete bill of sale for a snowmobile purchased from them. Before registering the snowmobile in Michigan, an NCIC check will be done at the Secretary of State’s office if a bill of sale is used. There is currently no online option for obtaining a replacement three-year snowmobile decal.

All snowmobiles, except those used exclusively on properties owned or under the control of the snowmobile owner or those operated on frozen waters for ice fishing, must display an annual Snowmobile Trail Permit sticker in addition to the usual 3-year registration. Both inhabitants and non-residents are affected. Snowmobiles recognized as historic snowmobiles do not require a trail permit.

Each Trail Permit costs $52 and is valid until September 30 of each year. The money raised will be used to build and maintain snowmobile routes.

Trail Permit stickers are located on the hood right over the headlight on the front of the snowmobile.

Is a snowmobile an automobile?

The Off-Highway Vehicles Act in Nova Scotia, the Off-Road Vehicle Act in New Brunswick, the Motorized Snow Vehicles And All-Terrain Vehicles Act in Newfoundland and Labrador, the Off-Highway Vehicle Act in Prince Edward Island, and the Off-Road Vehicles Act in Ontario are all used to determine what qualifies as an automobile.

Case law is also used by the courts to define what qualifies as an automobile. There have been countless instances of off-road vehicles being classified as autos for insurance purposes.

If your off-road vehicle is classified as an automobile for insurance purposes, you must comply with the terms of your province’s Insurance Act. This could imply obtaining the minimum required quantity of third-party liability coverage, for example.

A snowmobile is, in fact, a vehicle. The New Brunswick Court of Queen’s Bench held in Hetherington v. Personal Insurance Co., 1999 CarswellNB 592, that a Snowmobile qualifies as a “automobile” within the meaning of section 1 of the Insurance Act of New Brunswick since it is a “self-propelled vehicle.” The Newfoundland and Labrador Court of Appeal reached the same judgment in Parrill v. Genge, 1997 CanLII 14696 (NL CA) and Roberts v. Closen, 1998 CanLII 18097. (NL CA).

Yes. Courts in Atlantic Canada and Ontario have agreed that a straightforward interpretation of the definition of “ATVs are included in the term “automobile.”

The New Brunswick Court of Appeal held in Theriault v. General Accident Assurance Company of Canada, 1990 CanLII 11415 (NB CA), that an ATV is an automobile within the meaning of the New Brunswick standard automotive policy. In one example, an ATV was operated inappropriately on a roadway, causing another vehicle’s driver to lose control. Ms. Theriault, the plaintiff, was a passenger in a car that spun out of control on the highway and suffered injuries as a result. She contended at trial that she should be covered by uninsured motorist policy because the accident occurred due to the operating of an uninsured vehicle. The trial judge and the Court of Appeal agreed, using the same meaning of “From the Insurance Act to the ATV, the term “automobile” has been used.

In Slaunwhite (Guardian ad litem of) v. Wellington Insurance Co., 1993 CarswellNS 496, the Nova Scotia Court of Appeal upheld the lower court’s finding that an ATV was an automobile for coverage purposes, despite the fact that it could not be registered under Nova Scotia’s Motor Vehicle Act. According to the court, a straightforward reading of the term of “ATVs were included in the definition of “automobile.”

Furthermore, the Supreme Court of Newfoundland and Labrador concluded in Gillingham v. R., 2005 NLTD 89, that an ATV is regarded an automobile by virtue of being a vehicle “powered vehicle that is “self-propelled.” As a result, it would fall under the definition of an automobile under the Insurance Act. The New Brunswick Court of Queen’s Bench reached a similar decision in Richard v. Co-operators General Insurance Co., 2008 NBQB 235.

Finally, the Ontario Court of Appeal overruled the trial judge’s ruling in Matheson v. Lewis, 2013 CarswellOnt 4757, holding that an ATV is an off-road vehicle under the ORVA, and that the ORVA bans a person from operating an off-road vehicle on public highways without insurance. Adams v. Pineland Amusements Ltd., 2007 ONCA 844, reached a same decision.

Do you need insurance to drive a snowmobile on a lake in Ontario?

Except under certain circumstances, motorcycle and snowmobile insurance is required in Ontario. A valid motorcycle license is required to operate a motorcycle. Insurance is not required for motorcycles when they are driven on private land.

Who needs a snowmobile license in Michigan?

Who needs to learn about snowmobiles? When riding on public lands in Michigan, all operators who are at least 12 years old and under 17 years old must complete a Michigan-Approved Snowmobile Safety Course and get a snowmobile safety certificate.

How much does it cost to register a snowmobile in Michigan?

In Michigan, you must be at least 16 years old to operate a snowmobile.

Snowmobilers are required to purchase a $10 yearly trail permit sticker and must adhere to the rules of the trail.

Every three years, they must also register their snowmobiles and pay a $22 registration fee.

(A snowmobile operated only by the owner does not require a permit.)

property, or driven over frozen waters for the purpose of ice fishing).

Those who are discovered operating a snowmobile without a valid license

A trail permit is a statutory civil violation that can result in a fine of up to $1,000.

up to $50

With the exception of one dollar for each,

A $10 trail permit fee is charged, with the proceeds going to a snowmobile trail.

The Department of Natural Resources (DNR) uses the upgrade fund to

deal with commercial companies and offer funding to local organizations to groom

Help preserve the state’s six thousand miles of snowmobile trails

Department officials and others from the state

Snowmobile clubs argue that the state’s trail system is in desperate need of expansion.

faster than existing finances may be used to pay for them.

For example, there isn’t enough right now.

money to replace grooming equipment in the snowmobile trail improvement fund

as well as for specific maintenance tasks like bridge replacements.

The annual permit fees for snowmobile trails were

The last time it was raised was in 1994.

However,

Snowmobilers have reportedly stated that they are willing to pay a little more for a better ride.

maintain one of the best snowmobile trail systems in the world, according to many.

country.

It is proposed that, among other things,

other modifications, annual trail permit fees will be gradually increased over the following few years

a period of three years

Under the Natural Resources and Environmental Protection Act (NREPA),

A person who want to operate a snowmobile in the state must comply with the National Resources and Environmental Protection Act (NREPA).

must register the snowmobile and pay a $10 annual fee to the state of Michigan

Sticker for a snowmobile trail permit.

Fifty

The Department of Natural Resources keeps pennies of the fee for itself.

The agent who sells the property keeps fifty cents to cover administrative fees.

$9 is donated to the Recreational Snowmobile Trail Improvement Fund.

House Bill 4409 would create a fund.

alter the statute to gradually increase trail permit fees, as well as to change the way they are calculated.

increasing the penalty for operating a snowmobile without a trail

permit, and to require the DNR to make trail permits accessible for purchase on the internet.

its internet site

Bill 4538 in the House of Representatives

would make complementary adjustments to the NREPA clause that establishes

the trail maintenance money

The invoices

are tethered to one another.

Fees for Snowmobile Trail Permits on an Annual Basis. The act (MCL 324.82118) would be amended by the bill.

Fees for permits will be raised, and the allocation will be changed.

The fees would be as follows:

In addition, from June 30, 2001 to June 30, 2002,

The trail permit fee revenue in 2004 would be distributed as follows:

The agent would keep 75 cents for himself.

The DNR would keep fifty cents from the sale of the permit for administrative purposes.

expenditures, with $18.75 going to the Recreational Snowmobile Trail Improvement Program.

Fund.

On the 1st of July, 2004, fifty

The DNR would keep a penny, and the agent would keep a dollar.

The permit would be sold for $23.50, with $23.50 going to the Recreational Trust Fund.

Snowmobile Trail Improvement Fund is a non-profit organization dedicated to improving snowmobile trails.

Sales of websites.

Beginning on the date specified in the bill,

The DNR would be obligated to make trail permits available for purchase beginning October 1, 2001.

On their website, there is a bargain.

For each of the trails

The amount that would have been kept if the permit had not been sold on the website

Instead, the Recreational Snowmobile Trail Improvement Fund would be credited.

Fund.

Penalties.

Failure to get a snowmobile trail on a yearly basis

failure to display the trail permit sticker on the snowmobile, as well as

A violation of the act’s provisions constitutes a civil infraction, and a perpetrator could face a fine.

A civil fine of up to $50 may be imposed.

Bill in the House of Representatives

The fine would be raised to $100 under Section 4409.

Report for the year.

The DNR would be compelled to comply with the bill’s requirements.

On June 1st of each year, submit a report with a detailed spending plan on

the increased funds raised as a result of the measure

The plan would also have to detail how monies were allocated.

It would be reported to the members of the board of directors on how much money had been spent the previous year.

relevant standing committees in the House and Senate, as well as appropriations

subcommittees.

Bill 4538 in the House of Representatives

would change the NREPA section (MCL 324.82110) that establishes the trail.

to make supplemental adjustments to that part using the improvement fund

Fees for snowmobile trail permits were established on an annual basis.

Public Acts 99 and 74 of 1968 were amended by Public Acts 99 and 74 of 1994, respectively.

Later, under Public Act 451 of 1995, it was re-enacted to become the Natural Resources Conservation Service.

as well as the Environmental Protection Act (NREPA).

As part of a plan to raise more money for trail maintenance,

In addition to the $15 fee, the statute mandated a $15 fee to encourage snowmobiling safety.

At the time, there was a $10 yearly Michigan snowmobile registration cost.

Fee for trail access.

The fee was levied.

on all snowmobilers, whether state residents or not (nonresidents were exempt previous to this).

In the state, you didn’t have to pay anything to ride a snowmobile).

On private property, snowmobiles were the only mode of transportation.

property or on frozen waters for the purpose of ice fishing were exempt from the law.

required.

In addition, the act created a new restricted fund, the

Snowmobile Registration Fee Fund, with a requirement that $10 of the earnings be set aside for the fund.

This fund intended to be funded by money collected from snowmobile registration fees.

Up to $3 from each registration will be deducted from the total of $10.

The Department of State was to be charged a fee to administer the snowmobile program.

At least $7 was to be appropriated to the DNR from registration fees.

The DNR was supposed to spend $5 of the $7 for

For the purposes of law enforcement and snowmobile safety education and training programs,

while the statute stipulated that $2 be used for parallel county government,

Programs for snowmobiles.

There is no money.

Each year, the funds needed to administer snowmobile registrations were to be credited to

the trust fund

In addition, at least $5 in cash is required.

$9 from the sale of annual permit stickers, and $9 from the registration receipt

at least 80% of the income generated by the sale of duplicates

The trail’s registration fees and certificates were to be deposited.

The DNR will use the fund for planning, building, and maintenance.

Trail upkeep and acquisition.

In addition, Public Act 99 mandated that the Department of

When a state determines that a certificate of registration is invalid, it can suspend it.

Despite adequate notice, the mandatory fee was not paid. In addition, Public Act 99

Snowmobilers must wear crash helmets that have been authorized by the US Department of Transportation.

The Department of Transportation made it illegal to operate a snowmobile that was 25 years old or older.

a vehicle that is more than ten years old and lacks both headlights and taillights

Furthermore, Public Act 98 of 1994 amended the law.

Public Act 74 was amended to include anti-drunk driving laws, as well as other adjustments.

Snowmobiling safety should be promoted.

The House Fiscal Agency (HFA) claims that the

a proposed rise in the cost of snowmobile trail permit sticker prices

House Bill 4409 will raise the amount of money accessible to the government.

with the purpose of improving snowmobile trails

The

HFA forecasts that total new revenue for fiscal year 2001-2002 will be in the billions of dollars.

As much as $2,600,000 could be at stake.

As a result, the total sum available for trail maintenance and improvement has decreased.

During the winter of 2002, improvement grants might total up to $5,480,000.

season.

According to the HFA, House

Bill 4538 has no bearing on state funds.

(6-27-01)

Snowmobiling brings in millions of dollars in tourist each year.

Communities in northern lower Michigan and the Upper Peninsula can benefit from this industry.

and makes a large contribution to state and local tax revenues

Of course, Michigan is home to a large number of snowmobilers.

residents from the state’s densely populated southern regions, but a sizable number from other parts of the state.

Thousands of visitors come from other states to explore why Michigan’s route is so popular.

One of the best systems in North America has been described. Furthermore, it is a “pay-per-use” system –

Both locals and visitors pay to its upkeep.

According to the Michigan Snowmobilers Association,

Rather than having the maintenance cut, members have consented to the planned increase.

Trail grooming has been reduced.

The majority of the funds will come from the permit fee increase proposed in House Bill

The $4409 would go towards the Recreational Snowmobile Trail Improvement Fund.

and will be put to good use in improving the snowmobile paths.

“Agents” of the department (individuals with whom the department had contracted)

to sell the permits) would also get a raise to keep up with escalating costs.

costs.

If Michigan wants to attract visitors, it must do so in a variety of ways.

During the winter snowmobiling season, the fine will be increased.

If you don’t have a permit sticker on your snowmobile, you’ll have to pay a fine.

Ineffective government policy.

A large number of persons who

Snowmobiles are operated by visitors from other states who have been drawn here by the beauty of the area.

The idea that Michigan is a “Winter Wonderland.”

Some of these visitors may be uninformed of the state’s permit requirements.

They may not return if a $100 fee is imposed on them.

The increase in the fine is required since some people are abusing the system.

Snowmobilers may decide not to bother with obtaining a trail permit.

suppose the fine remained at $50 but the trail permit fee was raised to $100

$20, then $25, then $30, then $40, then $50, then $60, then $75, then $75, then $75

The fear of a greater fine, on the other hand, may promote snowmobiling.

Trail permits must be purchased by property owners.

This report was written by

House members can use nonpartisan House staff in their deliberations, and

This is not an official declaration of legislative intent.

When can you snowmobile in Michigan?

The state-designated trails in Michigan are open from December 1 to March 31, and grooming is done when there is adequate snow. Please notice that for the following five years, the trail permit will increase from $48 to $52. The adjustment is based on a statutory mandate to adjust snowmobile trail permit fees based on the federal Bureau of Labor Statistics’ CPI.

How do you register a snowmobile in the state of Michigan?

To legally drive a snowmobile in Michigan, you must have a Michigan Certificate of Registration and registration decals, just like you must have a vehicle registration for your automobile. The following are exceptions to registration:

  • A snowmobile that is only used on property owned or controlled by the snowmobile owner.
  • A snowmobile that has only been used in a qualified snowmobile safety instructor’s safety education and training program.

The snowmobile must be accompanied by a pocket-sized registration certificate.

Above the footwell, the registration decals must be positioned on each side of the forward part of the cowl. The only number that can be shown on the snowmobile is the registration number.

The certificate of registration and registration decal permit the snowmobile to be used for a period of three years, beginning on October 1 and ending on September 30 of the third year.