From the Gulf Coast to a wealth of inland lakes and rivers, Mississippi has plenty of beautiful places to ride your personal watercraft. Many families, students, and retirees love the freedom and fun of submersibles, stand-up, and multiple-person personal watercrafts, or PWCs. However, the combination of powerful watercraft and young, inexperienced operators can lead to accidents and injury.
You can protect yourself from the financial risk of lawsuit and property damage with Mississippi PWC insurance. An independent agent in our network can help you compare Mississippi PWC insurance quotes from several different insurance providers. Contact a local member agent today to get PWC insurance tailored to your watercraft and the people who use it.
Recent PWC Use in the U.S.
- 1,240,000 PWCs were registered in the U.S.
- PWCs were involved in 1,158 accidents on the water
- 764 people were injured in PWC accidents
- 44 people died as a result of those accidents
According to the U.S. Coast Guard Boating Safety Department, 57 PWCs in MS were involved in accidents during previous years, resulting in one injury and one fatality, plus property damage. The top causes of accidents were operator inattention, improper lookout, and lack of experience. Because many PWC operators are young and inexperienced, accidents involving stand up and sit down watercraft are relatively common. If you face a lawsuit after an accident, you could face out of pocket costs in the hundreds of thousands of dollars. A Mississippi PWC insurance policy provides liability coverage that can protect your assets and future earnings in the event of a legal claim.
What Does Mississippi PWC Insurance Cover?
Mississippi PWC insurance includes coverage similar to other boat insurance policies, with property coverage to compensate you for repairs, and extra liability to protect you from lawsuits. A typical PWC policy in MS would include the following:
- Property damage: This pays for repair or replacement of your PWC, up to your policy limits. Your watercraft may hit other boats, rocks, and debris, or sustain damage during towing.
- Medical payments: If you or a family member is injured in a PWC accident, and no other boater is at fault, medical payments cover a portion of your medical bills.
- Uninsured or underinsured boater: If another boater or skier causes an accident, and you suffer injury or property damage, the responsible party's insurance must cover the costs. However, when the person at fault does not have sufficient coverage to pay for your medical expenses and repairs, you can be stuck with the expenses. Uninsured boater coverage can help to cover your costs.
- Watersport liability: This may be the most important coverage to have for your watercraft. It protects your finances from the risk of lawsuit related to your PWC. If you are at fault in an accident, this coverage pays for your legal defense and pays the injured party's medical expenses, repairs, and court-ordered damages, up to the limits of your policy.
Your PWC insurance may also provide special coverage, such as:
- Pollution coverage, to pay for oil and fuel spills
- Towing and assistance, which provides help if your PWC breaks down
- Wreckage removal, to pay for the recovery of a sunken or totaled PWC
- Accessory coverage, to protect skis, trailers, and other equipment
An independent agent can talk with you about your PWC and the people who ride it so that you can find exactly the right Mississippi PWC insurance policy for your situation.
What Types of Personal Watercraft Are Covered?
You can insure almost any personal watercraft with a motor, such as:
- Stand-up PWCs: These watercrafts may need extra medical expense coverage, due to the high risk of a fall.
- Sit-down PWCs: These are powerful, and can hold one or two riders. Consider liability risks carefully.
- Four-person PWCs: These watercrafts are heavy and fast, and can pose extra liability risks to riders and other boaters.
- Submersible PWCs: These crafts can operate above and below water, and pose added drowning risk to the rider.
A local agent can help you decide how much liability and property coverage you need for your PWC, based on its type, number of riders, and the experience of its operators. You may choose to insure your PWC for actual cash value, which accounts for depreciation, or for replacement cost, which pays the price of a new watercraft.
Get Mississippi PWC Insurance at the Right Price
Mississippi PWC insurance is usually inexpensive, and it gives you great peace of mind while you and your friends enjoy the water. A local member agent in our network makes it easy to compare policies. Independent agents are not bound to one insurance company and can shop several carriers for you, to find a policy that meets your personal watercraft needs.
Contact a member agent today to compare policies and get Mississippi PWC insurance quotes that fit your budget and your watersports lifestyle.