The majority of Maryland residents enjoy a day out on the water, specifically near Ocean City. The fastest growing water sport in the state is jet skiing. PWCs are small, powerful, and fun.
Ocean City, MD provides visitors with beautiful water, easy launching, and a lively boardwalk to enjoy. With such large crowds drawn to the coastal town, jet ski accidents are bound to happen. While PWC insurance isn't required by law, it's an important step in being a responsible boater to have PWC insurance covering you while enjoying Maryland's waters.
Using a PWC is fun, but these watercrafts are meant to be enjoyed responsibly. No individual under the age of 16 is allowed to ride a jet ski. If you were born after 1972, you must have a boater safety course certificate on your boat with you showing that you've completed the course. You must also be wearing a U.S. Coast Guard-approved life jacket at all times while on the jet ski. There are many other jet ski rules to be aware of, so be sure to review the state requirements before hitting the water. Additionally, while not legally required, having PWC insurance will allow you to have peace of mind that you're protected while on the water.
PWC insurance in Maryland is a set of policies designed to help protect you from some of the most common risks that jet skiiers face every time they hit the water. A typical PWC insurance policy may resemble the following:
Let's say you're riding your jet ski with a friend in Ocean City, MD, and you hit a large rock. Both you and the passenger sustain minor injuries, and your jet ski is totaled. Your insurance will kick in and help you pay for the medical bills for both you and your passenger up to the policy limits. Additionally, if you have personal property coverage, this insurance can help replace your damaged jet ski. Finally, if you have wreckage removal, you may use that coverage to help pay for the removal of the sunken jet ski. The coverage you choose will have limits and a deductible. Once the deductible is paid, you can be covered up to the limit of the policy.
Additionally, if you're at fault for an accident with another boater, that boater will contact your insurance company to file a liability claim. Your liability insurance is designed to kick in and help pay for the damages to the injured party's boat. Additionally, the liability insurance may help pay for any legal fees associated with the accident.
There are many types of PWCs on the water, and each one has the potential for accidents and, therefore, should be covered with PWC insurance. Here are some of the most common types of PWCs that are covered:
These are just a few of the most popular types of PWCs. If you have a PWC outside of these, insurance is most likely available.
When it comes to getting PWC insurance, there is no exact cost, as the risks you face are different than those of others in your area. When getting quotes for PWC insurance, be sure to be familiar with the following:
All of these factors will come into play when calculating a PWC insurance quote. This will ensure that you will be getting the best coverage for your individual situation and risks.
There are usually many discounts available on PWC insurance policies. Be sure to ask about any available discounts you qualify for, including the following:
This list is not exhaustive, and each insurance company has different discounts available. So be sure to ask about any discounts you're not aware of.
When it comes to getting PWC insurance in Maryland, it's important to have a professional on your side that understands the passion and the details of jet skiing. A Trusted Choice® agent is always available to help suggest coverages, find discounts, or even help you file a claim.