No matter what you call your machine -- a PWC, personal watercraft, or Jet Ski -- it's used for a fun sport that millions enjoy as soon as warm weather hits. From towing inflatables to fishing and racing, jetskiing is a favorite pastime for many Montana residents. Unfortunately, these boats are lightweight and incredibly fast, making accidents all too common. Even experienced PWC riders can be caught unawares or fall victim to an accident on the water.
If you're passionate about your PWC, it's a wise idea to get it covered by insurance. If there's an accident or a breakdown, your PWC insurance may very well prove invaluable.
Montana PWC Statistics
- There are over 20 lakes in MT that allow Jet Skis.
- Between 2008 and 2012, there were over 120 boating accidents in MT.
- 40% of PWC accidents result in drowning.
- 19% of boating accidents involve PWCs.
Jet Skis are fun, but it's no surprise that they can be dangerous. Montana has a strict set of laws pertaining to PWC use, including required equipment, age restrictions, and usage guidelines. As a responsible boater, it's important that you read these rules before going out for a day of fun on the water.
What Is PWC Insurance?
PWC insurance is a set of policies put together in order to offer you the best coverage against the most common risks faced by PWC owners. A typical PWC policy may include the following:
- Property damage: This is designed to cover damages that you cause to property other than your own. You may hit a rock, another boat, or a trailer.
- Medical payments: This coverage can help pay for medical expenses if you or a passenger are injured on the water.
- Uninsured or underinsured boater: Unfortunately, not every boater carries insurance. If an accident occurs, and the boater at fault doesn't have enough coverage, you may be faced with shelling out the funds to repair your PWC. This can help you cover those costs.
- Watersport liability: This coverage protects your assets and finances from a lawsuit involving your PWC. If you are at fault in an accident, this can pay for your legal defense, along with the injured party's medical expenses, repairs and court-ordered damages.
- Pollution coverage: If you are found at fault for a fuel or oil spill, this can help you afford the remediation.
- Towing and assistance/wreckage removal: These coverages can help you get your PWC out of the water in case of an accident or breakdown.
- Accessory coverage: This is designed to cover items such as a trailer, inflatable toys, GPS units or other equipment.
There may be other coverage types that are suited to your needs, so it's a wise idea to discuss coverage with an insurance agent prior to purchase.
What Types of PWCs Can Be Covered?
Insurance companies know that there are many types of PWCs, and not all PWC riders are equal. Below is a list of some of the most common types of PWCs that can be covered:
- Sit-down PWCs
- Stand-up PWCs
- Single-person PWCs
- Multipl- person PWCs
- Racing PWCs
- Submersible PWCs
If your PWC is not listed, you are more than likely still eligible for PWC insurance. Contact an insurance agent to get specifics on needed coverages.
How Much Is a PWC Insurance Policy Quote in Montana?
The cost of a PWC insurance policy varies due to your individual situation. Average quotes may run anywhere from $150 to $500 a year. When you're shopping online or in person for PWC insurance, make sure to be aware of the following:
- Year, make and model of the PWC
- Horsepower, engine type and maximum operating speed
- Where PWC is stored
- Where PWC will be used
- Your driving record (on and off the water)
- Claims history
- If you will be towing PWC or letting others use PWC
- Any boater safety courses you've taken
These factors, plus many more, will be used to get you a quote for an insurance policy that will properly cover you against your individual risks.
Are Discounts Available on PWC Insurance in Montana?
Just like many other insurance policies, discounts are available on PWC insurance. These discounts may include the following:
- New customer discount
- Loyal customer discount
- Multi-policy discount
- Good driver discount
- Lay-up policy discount (If you only use your PWC curing part of the year)
- Industry/professional affiliation discount
Each insurance company offers different discounts, so it's a wise idea to ask your insurance agent about the discounts that may be available to you.
Finding The Right PWC Coverage for You
When deciding to purchase PWC coverage in Montana, it's crucial to have an insurance agent familiar with your indiviual area. A Trusted Choice® agent is always available to help you find coverages, answer questions, suggest discounts, or even help you file a claim.