While insurance for watercraft is not mandatory in many states and/or lakes, it is still very critical to at least include liability protection.
Judgments for accidents may be just as high as a high speed car accident. Contributing to high judgment awards are factors such as excessive speed, alcohol use, inexperienced operators, failure to obey Maritime laws and neglecting proper safety equipment. The lack of a requirement to carry insurance does not change the fact that you will still be held responsible for your actions. However, the presence of proper insurance will act as your financial backing and help pay expenses for which you become legally liable.
Here are a few important coverages to consider:
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Coverage Types
Emergency Towing
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Hull Coverage
This is the most desired coverage that is a set amount as stated on the declaration page of your policy. This type of coverage guarantees that if your vessel is a total loss you will be paid the amount listed as hull coverage.
Note: If there is partial loss depreciation it will still be taken by the insurance company. This coverage is usually more expensive than the other types of coverage but is well worth the expense when you have an older vessel in today’s marketplace as it takes the guesswork out of a claim and also any subjective offers to settle the claim.
Personal Effects
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Pollution Liability
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Protection And Indemnity (Liability)
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Uninsured and Underinsured Boater
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Other Insurances
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