Personal watercrafts offer a great source of wet and wild entertainment, but can be just as dangerous as any other vehicle on land. Just like with any car, motorcycle, or truck, boating accidents can compromise the financial investment, physical health, and personal property of the parties involved.
Adequate watercraft insurance should be sought after by all owners who wish to safely pilot their vessel in open waters. Like many insurance policies, there is a wide range of options that need to be weighed before you decide on a specific plan. These are all designed to protect you from a financial or legal perspective, but some are more necessary than others based upon the way you utilize your watercraft. The following is a breakdown of some of the common watercraft insurance coverage options and what they can do for you.
Damage Coverage – In the case of collisions with other watercraft or with docks, this type of coverage could be something that saves you from either minimal damage (knocking into a fellow boater's dock) to more catastrophic accidents (injury or death). Damage coverage is essential, especially for boaters who travel at high speeds or who ride in particularly high-traffic areas.
Sports Liability – For the sportsmen and women who like to water ski, windsurf, wakeboard or any other manner of activity that involves the use of personal watercraft, sports liability should be essential. This coverage typically includes bodily injuries or property damage caused by a sporting activity, usually resulting from towing something behind your craft. Though typically included with insurance plans, if water sports are something you plan to enjoy, it's a good idea to make sure you are covered for sports liability.
Accessory Coverage – Typically coverage will not extend outside the manufacturer's original condition. That means any accessories (cosmetics, upgrades, and storage parts you've attached to make your personal watercraft "your own") will be unprotected by standard insurance. As such, make sure that your plan includes accessory coverage in the package if you're keen on tricking your watercraft out a bit to improve its comfort and versatility.
For personal watercraft coverage that will protect your investment as well as your health and financial future in the face of unplanned catastrophe, there are a range of insurance options that can be exercised. Take the first step in securing your future by contacting your insurance provider and asking about your policy today. For questions about injuries and damages sustained in boating accidents, contact the personal injury team at George Sink, P.A. Injury Lawyers for a free case review. We have offices in Columbia, Greenville, and Charleston, SC – but we will meet you anywhere in the state to discuss your options.