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What Is Personal Watercraft Insurance?
Personal watercraft insurance provides coverage when injury or property damage occurs related to the policyholder’s personal watercraft. Some of the incidents that could be eligible for coverage from PWC insurance are the following:
Most personal watercraft insurance policies will cover a wide range of PWCs, including the major brands of Jet Ski, Sea-Doo, and WaveRunners. These policies will also usually cover incidents in which someone other than the policyholder was operating the watercraft, as long as they were doing so with permission, and will cover incidents caused by another, uninsured or underinsured, watercraft.
What Are The Standard Personal Watercraft Insurance Policy Coverages?
A standard personal watercraft insurance policy may include the following coverages:
Property Damage
Most personal watercraft insurance policies will cover property damage caused by the insured personal watercraft. This damage can include the personal watercraft itself, another individual’s watercraft, docks, or other property.
Bodily Injury
Most personal watercraft insurance policies will cover some or all of the medical bills associated with bodily injury caused by the covered personal watercraft. This can include injury to the driver, or another individual.
Liability Coverage
These types of insurance plans may also pay legal expenses if you are sued as a result of an accident. This coverage may also protect you while using your personal watercraft during sports such as water skiing.
Uninsured Coverage
Many of these insurance plans may also protect you in the event that you suffer property or bodily injury as the result of an uninsured operator of another watercraft.
Frequently Asked Questions
Learn more about personal watercraft insurance by exploring the answers to common questions, and then contact us for additional information.
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- What is not covered by personal watercraft insurance?
Coverage limits vary from policy to policy. However, watercraft that have been modified, and watercraft that were involved in an accident while being operated in the dark are often not protected.
- Will my personal watercraft insurance have a deductible?
Usually, PWC insurance does have a deductible. This is an amount of money you pay before the insurance coverage kicks in. Talk with your insurance agent about the deductible amounts you may have to pay.
- What types of personal watercraft are covered by this type of insurance?
Most major brands of personal watercraft are covered by PWC insurance. Your insurance agent will let you know of any limitations on your policy coverage.
- What is not covered by personal watercraft insurance?
- How much does personal watercraft insurance cost?
PWC insurance costs will vary from plan to plan but are usually very affordable. Your agent can walk you through your options and help you find a solution that fits your needs and your budget.
- Will personal watercraft insurance cover towing?
Yes, PWC insurance usually includes towing if your personal watercraft breaks down while you are on the water.
- What happens when it is time to submit a claim?
Usually, you can follow your insurance policy’s process for submitting a personal watercraft insurance claim. We make sure you understand the process and have easy access to the resources you need to quickly submit a claim when necessary.
