When the insured's snowmobile is destroyed in an accident, is the damage covered?

The coverage for damage to the insured's snowmobile in the event of an accident typically falls under the terms of the comprehensive or collision section of the relevant insurance policy. If the snowmobile is destroyed in an accident, and the policy includes coverage for such incidents, then the damage is indeed categorized as covered.

Policy details often outline that a snowmobile is a type of vehicle that can be insured, much like a car or motorcycle. If the policyholder has an active policy that expressly covers damage or loss due to accidents, the insurer would be obligated to compensate for the loss, which might include repair costs or the actual cash value of the vehicle if it is deemed a total loss.

Thus, based on the assumption that the insurance policy in question includes appropriate coverage for accidents involving snowmobiles, stating that the damage is covered aligns with the conditions typically outlined in standard insurance contracts.