Whether you enjoy power boating on Lake Tahoe or Lake Mead or prefer operating your PWC on one of Nevada's lesser known and less congested smaller lakes, you know the pleasure and excitement that you can have with a personal watercraft. And you probably carry PWC insurance because you also are aware of the risks of injury and property damage should something go wrong while operating your PWC. Before you search for PWC insurance quotes, however, there are several factors to consider.
The following statistics are available from the U.S Coast Guard Office of Boating Safety:
Just as you wouldn't travel Nevada's highways and city streets without car insurance, neither should you navigate the state's waters with your PWC without the protection of an insurance policy. While Las Vegas streets deal with congestion, so too do its lakes. You may be a superb PWC operator, who follows all of the safety guidelines and rules of the lake. But what about "the other guy"? You want the ability to make swift repairs to your PWC in the event another boater damages it. You also want to protect your personal finances in the event you damage another person's property or cause them injury while operating your PWC.
Although Nevada State law does not mandate that PWC operators carry insurance yet, the Nevada Department of Wildlife, which enforces the state's boating laws, highly recommends it. The laws pertaining to PWCs specifically mandate the following:
Most Nevada insurance providers offer the follow coverage types for a PWC policy:
As the popularity of PWCs has increased, so too has the variety of make and models available on the market. Unless you built your PWC from spare parts in your garage, chances are you should be able to find an insurance policy to cover it. Most Nevada insurance providers are willing to insure the following types and brands of PWCs:
The quotes you will see from Nevada insurance companies can vary significantly from provider to provider. Most of these companies take the following considerations into account when calculating your quotes, however:
You may be able to receive a discount on your insurance premium if you have completed a PWC safety course. Be sure to ask your insurance agent if this or any other type of discount is available.
Like most PWC owners, you probably ride for the fun of it. The last thing you want ruining your on-the-water enjoyment is an accident when you have no insurance. Knowledgeable, independent insurance agents in the Trusted Choice® network can answer any questions you may have, suggest coverage options and even assist you in filing a claim.
Contact a Trusted Choice member agent near you for help finding the perfect PWC insurance policy that meets your needs and budget.