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 accident and injury. You can protect yourself from the financial risk of lawsuit and property damage with Mississippi PWC insurance.
An independent agent in the Trusted Choice® 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.
According to the U.S. Coast Guard Boating Safety Department, 57 PWCs in MS were involved in accidents between 2005 and 2012, 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.
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:
Your PWC insurance may also provide special coverage, such as:
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.
You can insure almost any personal watercraft with a motor, such as:
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.
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 the Trusted Choice 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.