As the winter weather advisories pick up, make sure to check your auto insurance policies to ensure coverage before going out in that snow. In Rhode Island, “RI Regulators Give Guidance on Snowplow Insurance Implications,” according to Ben Zitney of Online Auto Insurance News. If you have a snowplow on your truck, your personal auto insurance policy should cover you plowing your own driveway or that of neighbors or relatives. Make sure that your auto insurance premiums cover liability and property damage.
But that assumes that you are doing the plowing for free. If you accept money to plow anyone’s driveway, parking lot, or walkways, you need to have separate Rhode Island auto insurance to cover commercial work. The Department of Business Regulation has guidelines on their website and urges you to look there or contact your auto insurance company to make sure you are covered. The Department also reminds Rhode Island residents to make sure that their snowmobiles are covered before riding on them, especially if they are rentals. Homeowner and auto policies do not typically cover snowmobile damage.