Which statement about motorized snow vehicles and automobile insurance is NOT true?

• A. They are automatically covered under an automobile policy—no endorsements are needed at any time
• B. They sometimes require endorsements for coverage
• C. They can be insured under automobile policies with endorsements as needed
• D. Endorsements may affect coverage

Answer: (A)

Motorized snow vehicles aren’t automatically covered by a standard automobile policy. Insurance for these vehicles usually requires adding an endorsement to the auto policy (or purchasing a separate policy) to extend liability, collision, or comprehensive coverage to the snowmobile. An endorsement specifies what is covered, under what circumstances, and can change premiums or coverage limits.

So, the statement that they are automatically covered with no endorsements at any time is not true. The other statements reflect how endorsements work: coverage can be added as needed, and endorsements can affect what is covered and under what terms.