Boating is a favorite activity for residents around the United States. Every year, millions of people take to the waters in their boats to enjoy the water and sunshine.
As more people purchase boats, and the waters get more crowded, boating accidents become more frequent. Unfortunately, the majority of boaters don't carry insurance on their vessels, meaning that medical costs and repair costs may end up costing boat owners large sums of money, and open them up to the risk of a lawsuit. Boat accidents can quickly become serious. Boating insurance acts like a life preserver -- it's not there until you need it, and when you need it, it can save your financial life.
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- Boating accidents in Kansas in 2012 caused over $112,000 in damage.
- Between the years of 2008 and 2012, there were more than 150 boating accidents in Kansas alone.
- July is the most dangerous month on the water, with the majority of accidents and fatalities occuring during that month.
In the state of Kansas, there are boating laws for both regular vessels and PWCs. Anyone between the ages of 12 and 20 must pass a boater safety course in order to ride a jet ski alone. If the boater has not passed a boater safety course, an individual 18 or older who has passed a boater safety course must be riding on the same vessel. No one under the age of 12 may operate a PWC without an adult on the vessel. Additionally, every rider must be wearing a Coast Guard approved lifejacket at all times.
PWCs are fun, however, their increased speed, horsepower, and small open structure make them prone to accidents. Even a rogue wave or wake can overturn a jet ski. Wearing a lifejacket, passing a boaters safety course, and being tethered to the PWC are all ways to stay safe. Having insurance covering the PWC is another aspect of playing it safe on the water.
What is PWC Insurance?
PWC insurance is a set of policies designed to protect you from the financial risks associated with boating. A typical PWC insurance policy may include the following:
- Property damage: This coverage protects you from financial responsibility if you are at fault for an accident that causes damage to another person's property. It also covers your PWC to ensure that you can get it repaired.
- Medical payments: If you or a family member is injured in a PWC accident, and no other boater is at fault, this coverage can help pay their medical bills.
- Uninsured or underinsured boater: If you are involved in an accident and the other party is underinsured/uninsured, the responsible party may not be able to cover the costs of repairing the boat or paying medical fees. This coverage will help with those costs.
- Watersport liability: This coverage is immensely important. If a lawsuit is filed stemming from your actions on the water, this coverage can help pay for your legal defense.
- Pollution coverage: Many states will impose fines on boats that spill fuel or oil. The removal costs related to pollution are exorbitant, and this coverage can help pay for those costs.
- Towing and assistance: If you're stuck on the water, this coverage can get you back to shore.
- Wreckage removal: Many water-governing bodies will require you to remove your PWC if it has sunk or is inoperable. This coverage can pay to get your PWC removed from the water.
- Accessory coverage: If you have purchased accessories for your PWC, such as saddlebags, towables, a trailer, or GPS, this can cover those items.
What Types of PWCs Are Covered By PWC Insurance?
There are many different types of PWCs on the waters in KS, and each one can be insured. The following is a list of PWCs that are most commonly insured, but this list is not exhaustive:
- Sit-down single person PWCs
- Sit-down multiple person PWCs
- Stand-up PWCs
- Four-person PWCs
- Racing PWCs
- Submersible PWCs
- Custom PWCs
If you have a PWC that is outside of this list, you can still get insurance. No matter the type of PWC, having insurance covering your PWC is important while enjoying the water in KS.
What Will My PWC Insurance Quote Look Like?
There is no exact price that PWC insurance will cost across the board, as everyone's risks are different. When shopping for a PWC policy, be sure to make yourself familiar with the following factors, in order to get the best policy for you:
- Type of PWC
- Age of PWC
- Horsepower of PWC
- Value of PWC
- How PWC is stored
- How often PWC is used
- Your driving record, on and off the water
- Where PWC will be used
- How many people will ride on the PWC
- If others will be driving the PWC
- Any accessories/upgrades attached to PWC
- Desired coverages
- Desired deductibles
All of these factors will be used to make sure that your PWC policy sufficiently protects you. Having an insurance policy tailored to your needs will ensure that you're protected against financial disaster in case of an accident.
Are Discounts Available on PWC Insurance?
There are usually many discounts available on insurance policies. When shopping for a PWC insurance quote, be sure to ask about available discounts, such as the following:
- Paid-in-full discount
- Multi-policy discount
- New customer discount
- Loyal customer discount
- Lay-up discount (If you only use your PWC during the summer months)
- Military discount
- Educator discount
- Safe boater discount
Every insurance company has different discounts, so be sure to ask about discounts you may not be aware of, or discounts you weren't eligible for previously.
How Do I Get PWC Insurance in Kansas?
When shopping for PWC insurance in Kansas, it's important to get the right amount of coverage at a price that won't break the bank. Trusted Choice® independent agents are always available to help you discuss policies, suggest discounts or policy options, or even help you file a claim.
They have years of experience working with Kansas insurance providers, enabling them to find you a number of quotes from a variety of companies. Contact a Trusted Choice agent to find the most comprehensive PWC insurance quotes.