Snowmobiles are designated off-highway vehicles, that when used safely can be an enjoyable winter activity, unfortunately, every year many people suffer injury, and sometimes fatality, when using these self-propelled vehicles.

The Off-Highway Vehicles Act serves to regulate the use of the vehicles that are driven off-road and are not registered under the Motor Vehicle Act. The OHVA covers safety and equipment, registration and permits, insurance, where you can ride, environmental protection, and enforcement.

By law, you must have liability insurance for every off-road vehicle that you or your children drive. Your insurance must also cover third-party liability.

The minimum amount of liability insurance required is $500,000 if you drive on land that does not belong to you or members of your family.

If you are in a snowmobile accident, be sure to record as many details as possible about the scene, witnesses, and cause of the accident.

The driver and the owner are both responsible if:

  • The driver has permission to drive
  • The owner is a passenger or is watching at the time

The driver is responsible if the driver does not have permission from the owner to drive the off-highway vehicle (OHV). For example, if the driver has stolen the OHV.

Mandatory coverage must include:

  • Third party liability
  • Uninsured and unidentified automobile
  • Accident Benefits

Accident Benefits may entitle you to coverage of medical expenses, rehabilitation expenses, loss of income from employment, funeral expenses, and death benefit.

Negligence can result in accidents and injuries from, but not limited to:

  • Failure to obey safe speed limits
  • Failure to have proper safety equipment
  • Failure to obey the rules the Off-Highway Vehicles Act
  • Operating a vehicle under the influence of alcohol or drugs

If you or a family member has been in a snowmobile accident, please contact a lawyer.


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