With more than 3,000 named lakes and 3 million unnamed bodies of water, Alaska offers established boating opportunities as well as exploration adventures for your vessel. As PWC ownership has increased in popularity among Alaska residents, however, so too has the number of accidents. When your personal watercraft is involved in a crash or collision, you want the protection only an insurance policy can provide.
Before you search for a PWC insurance quote, however, there are several factors to consider.
According to the U.S. Coast Guard:
PWC insurance operates much like boat or car insurance. You pay a monthly premium and should you need to file a claim resulting from a collision, fire or other covered event, your Alaska insurance company can help pay for repairs to your PWC or help pay for medical treatment for an injured party.
Although not required by Alaska state law, PWC insurance is strongly recommended by natural resources personnel. Under Alaska law, personal watercraft are boats and as such their operators have the same responsibilities and are subject to the same boating laws as any boat operator.
According to PWC safety experts, most personal watercraft accidents are due to collision. Avoid tunnel vision by continuously scanning the water from side to side. Unlike a conventional powerboat, a personal watercraft can only be steered if it is being powered forward. Releasing the throttle to avoid a collision will result in a loss of steerage and control. Personal watercraft operators should take boating safety courses and personal watercraft courses before operating their boats. Also, PWC operators and all other boaters should check with local authorities regarding conditions, weather and local laws before embarking.
Since becoming available in the 1960s, PWCs have significantly increased in number and variety. Common makes and models include the following:
If you are able to register your PWC with the state of Alaska (which is required for the majority of vessels), chances are there is an insurance policy that will cover it.
Most insurance companies will give you a number of coverage options from which to choose as you build your PWC policy, including:
The quotes you will find from various insurance companies depend on several details. Most insurance providers will take the following into account when they calculate your quote:
Not only does obtaining a PWC insurance policy protect you from financial hardships when an accident occurs, but it also can mean the difference between affording swift repairs and parking your PWC indefinitely.
Knowledgeable, independent insurance agents on the Trusted Choice® network are always available to answer your questions, suggest coverage options, and even assist you in filing a claim. These agents have years of experience working with Alaska insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can obtain a PWC insurance policy that meets your needs and budget.