PWC Liability Insurance
(Here's exactly what you need to know)
Written by
Jessica Huneck is an insurance writer from TrustedChoice.com. She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.
Personal Watercraft liability insurance protects you against legal claims and the legal fees associated with them. Fortunately for personal watercraft (PWC), WaveRunner or Jet Ski owners, PWC insurance can be tailored to your lifestyle.
To find PWC liability insurance that meets your needs, it is best to work directly with an independent agent. These agents can give quotes based on your personal situation, free of charge.
An independent agent can give you all the information you need about liability insurance, what it covers and how much you need. Contact a local agent today for assistance.
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Coverage Options for Personal Watercrafts
- Jet Ski liability coverage, including medical payments and legal fees
- Trailer coverage
- Towing services when the watercraft breaks down or runs out of gas
- Fuel spill coverage
- Removal or retrieval of wreckage in case the watercraft sinks
- Coverage of personal effects such as loss of clothing, eyeglasses or other personal items
Owning a Jet Ski or WaveRunner can be very enjoyable for many people. However, these vehicles are powerful, and accidents can happen. Using these fast-moving vehicles, which are designed to jump waves and travel up to 60 miles an hour, involves risk.
Incidents of reckless driving, lack of experience, inattention and errors are not uncommon. If you are at fault in an accident that causes bodily injury, property damage, dismemberment or death, the financial responsibility involved can cost you your life savings.
Litigation can be an expensive cost most families cannot afford without insurance coverage.
Avoid paying high medical or legal costs out of pocket by purchasing PWC liability insurance. PWC liability insurance provides peace of mind, and it is a very cost-effective coverage.
PWC Liability Insurance Features
Liability coverage is the most important feature of your PWC insurance because it is a high risk activity and the likelihood that, when an accident occurs, more than one person can be hurt or sustain property damage.
Depending on the choices you make for your policy, coverage can include damage done to a dock or another craft, bodily injury of another person, driver negligence, towed water skiers, machine or equipment damage and towing assistance.
Note that there are typically coverage exclusions in every insurance policy. For PWC insurance, there are commonly exclusions for such things as:
- Upgrades for speed or performance
- PWC after-dark use
- Operating the PWC without a boating or PWC license.
When getting the coverage you need, be sure to work with an agent who is knowledgeable about watercraft coverage, risks, and local laws. Make sure you meet all applicable local requirements with regard to PWC liability insurance.
Umbrella Policies for PWC Insurance
An umbrella liability insurance policy can provide additional liability coverage to pay for bodily injuries, damage and legal fees beyond your limits on your PWC liability insurance. Most states have laws that hold the driver accountable for property damage or bodily injury caused by negligence or recklessness.
The driver at fault can be sued for damages and held responsible even after the watercraft insurance coverage is maxed-out. If you are at fault, the court may seize your assets to pay awarded damages, including your future earnings.
The limitations of a basic liability policy don’t need to cost you peace of mind. An umbrella policy’s purpose is to protect personal or future assets against excess costs from bodily injury and property damage costs and legal fees that might put you in a financial bind.
In the event of a lawsuit, you may be required to pay a range of costs including personal injury, medical expenses, and lost wages of the injured party. These costs can quickly get very expensive. An umbrella policy picks up the cost beyond what the main PWC insurance will cover.
Save on Personal Watercraft Insurance
Our independent agents shop around to find you the best coverage.
How an Independent Insurance Agent Can Help
An independent insurance agent in our network can help you get a quote for a new policy, a renewal, additional or umbrella policy.
Agents offer PWC insurance policies, professional advice and personalized service. They can give you coverage from the country’s top insurers of watercrafts of all types and can shop for the best rates on your behalf.
Get the information you need on PWC insurance and coverage options today through an agent in your area.