From man-made creations like Lake Seminole to the natural Lake George and the open ocean, Florida offers endless opportunities to head out on the water with your PWC. The popularity of PWC use is increasing in Florida and so too is the number of crashes and accidents. Do you have PWC insurance coverage to help you recover from a boating accident? Before you search for PWC insurance quotes, there are several things to keep in mind.
The following are some statistics according to the U.S. Coast Guard's Boating Safety Division:
Florida lakes, rivers and ocean beaches are just as busy as some of the state's highways and freeways. While most drivers wouldn't dream of getting behind the wheel of their car without auto insurance, it is a protection often overlooked by PWC enthusiasts. Just one accident can cause thousands of dollars in damage and result in extensive injuries. You want a PWC insurance policy that can help you recover quickly following a crash.
While Florida state law does not require PWC operators to carry insurance on their vessels, it does have this to say about boater safety and regulations:
Even though not required, PWC insurance is a level of protection most operators cannot afford to go without.
There are many types of PWC: stand up PWCs, sit down PWCs, kneel down PWCs and one person to four person PWCs. The majority of Florida insurance providers will have a policy that covers the following types of common brands and more:
Personal watercraft have certain common characteristics. They have an inboard engine with jet drive that allows the operator to fall overboard and reboard the vessel safely. These features are related. The jet drive system eliminates parts, such as a propeller or rudder, on the outside of the hull. This system presents little risk to riders when falling overboard or reboarding.
PWC insurance operates much like car insurance. Most Florida insurance providers will offer you the following coverage options from which to choose as you build your PWC policy:
As no two PWCs and their riders are identical, it's difficult to estimate average quotes for an insurance policy. Most Florida insurance companies take several factors into consideration as they calculate your quotes, including the following:
Generally, PWC insurance quotes are anywhere between $150 and $500 a year.
The last thing you want to worry about as you try to relax and enjoy the view on your PWC is whether you could afford an accident. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer questions, suggest coverage options and even assist with filing a claim.
Contact a Trusted Choice agent near you to find out how you can obtain the perfect PWC insurance policy that meets your needs and budget.