Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels. The personal watercraft policy covers:
- Bodily injury
- Property damage
- Guest passenger liability
- Medical payments
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, although these may vary from company to company.
Consider buying an umbrella policy which will provide more liability protection. One million dollars in extra coverage costs about $200- $300 a year and would extend to your home and auto insurance policies.If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.
Personal Watercraft Safety
To safely enjoy your personal watercraft, following these suggestions:
- Never follow directly behind another personal watercraft. Stay at least 100 yards behind the vessel in front, and no less than 50 yards to one side. Because these vessels can travel at a very high rate of speed, each rider must be able to react to sudden changes in order to avoid a collision. Eighty percent of all injuries and fatalities occur when two vessels collide with one another.
- Don’t jump the wake of a passing boat. You could misjudge its speed and cause a collision. Or you might end up in the path of traffic coming from the other direction.
- Stay alert! Be aware of what is going on around you. Steer clear of other watercraft, swimmers, divers, water skiers and fishermen.
For more information on watercraft coverage, give Penny Hanley & Howley Insurance a call. We are here to help provide you with the proper insurance coverage for all your needs.
Protecting YOU is our Job
Source info: III.org