Category Archives: Off-road vehicle insurance

Is your snowmobile ready for the season?

snowmobile insuranceIt’s almost that time of year again.  Time to get the snowmobiles ready for the winter riding season. Before you head out for your first ride in the snow you should check out this pre-ride check list we found from



  • Throttle (it should freely return to the idle or closed position)
  • Snowmobile (it should be positioned in a clear space free of people or objects)
  • Fuel and Battery
  • Ski Assemblies and Rods
  • Variable Speed Drive Belt
  • General Mechanical Conditions
  • Handlebars (they should turn both ways)
  • Weather Forecast, your clothes and the wind chill factor (to ensure you’ll be warm enough)
  • Emergency Supplies, including:
    • Spare spark plugs
    • Knife/small ax
    • Spare drive/belt
    • Waterproof matches
    • Spare fuel
    • Spare clothing
    • Emergency rations
    • Flashlight
    • First aid kit
    • Tool kit
    • Flares
    • Extra ignition key

Before you start to drive, check the following:

  • Brakes (they should operate freely and smoothly)
  • head and taillights
  • emergency switch
  • idle (slowly run your machine for 30 seconds)

Next you need to consider your snowmobile insurance. In most places, you need some kind of sled insurance to ride legally. Regardless, sled insurance can be your safety net for loss, damage or injury. Most important, it can cover you in liability situations. Whether what happened is your fault or not, the financial fallout can serious and far-reaching. You’ve worked hard to get where you are. Sled insurance insulates you when things go wrong, protecting your family, assets and future. It assists in returning you to the position you were in prior to whatever happened.

When shopping for snowmobile insurance, the first question to be asked is: What coverages are available? Here are the main coverages available for snowmobiles.

Having your snowmobile ready for the snow doesn’t just mean the mechanics, having the proper snowmobile insurance is just as important.

Contact Penny Hanley & Howley Insurance for all your insurance needs.

Protecting YOU is our Job


Golf Cart use and laws in Connecticut

golf cart insurance

Recently we were asked what the current laws were in relation to Golf Cart use on the road in Connecticut.  So we did a little digging and found the information regarding this new change as of 2009.

The General Assembly in 2009, passed new legislation authorizing towns to allow golf carts on local streets, with certain restrictions.

Under the new legislation, local traffic authorities will enforce regulations for the golf carts on roads with a speed limit of 25 mph or lower.

In addition, the carts cannot be driven at night and operators must have a driver’s license.

According to officials, the penalty for violating these regulations is $35 under state law, but that could increase in the future.  Cart drivers must also obey the normal traffic regulations that apply to any motor vehicle.

Liability Insurance is needed for all golf carts that are ridden on the road and off your personal property.  In most cases your homeowners insurance will cover your golf cart if it is being used for maintenance of your property.

Here is the actual language of the legislation that was passed.

Sec. 27. (NEW) (Effective from passage) (a) The traffic authority of any

city, town or borough is authorized to permit the operation of golf

carts, during daylight hours only, on any street or highway within the

limits of, and under the jurisdiction of, such traffic authority, provided:

(1) Each such golf cart shall be equipped with an operable horn in

accordance with the requirements of subsection (e) of section 14-80 of

the general statutes; (2) each such golf cart shall be equipped with a

flag that is positioned to assist operators of motor vehicles in observing

the location and operation of such golf cart; (3) no such authorization

shall be granted for operation on any street or highway the posted

speed limit of which is more than twenty-five miles per hour; and (4)

the operator of any such golf cart shall carry a valid Connecticut motor

vehicle operator’s license while operating such golf cart. Any person

who operates a golf cart in violation of any provision of this

subsection, any insurance requirement established in accordance with

subsection (b) of this section, or any other conditions or limitations

established by the traffic authority for the operation of golf carts shall

have committed an infraction.

(b) The Commissioner of Motor Vehicles may establish, by

regulations adopted in accordance with the provisions of chapter 54 of

the general statutes, insurance requirements for the operation of golf

carts in accordance with subsection (a) of this section.


The act authorizes any local traffic authority to permit the operation of golf carts, during daylight hours, on any road under its jurisdiction. A golf cart must be equipped with an operable horn meeting the requirements of state law and a flag positioned to assist other drivers to see it. The traffic authority must limit cart operation to roads with a posted speed limit of 25 miles per hour or less. The operator must carry a valid Connecticut driver’s license when operating a cart. Violations of these requirements are infractions.

The act authorizes the DMV commissioner to establish insurance requirements for golf carts by regulation.

EFFECTIVE DATE: Upon passage

So remember to contact Penny Hanley & Howley for all your off-road vehicle insurance needs.

Protecting YOU is our Job