With so many waterways in and around New York – from the Atlantic Ocean to the Hudson River, and from the Finger Lakes to Lake Ontario – it is little wonder that personal watercrafts (PWCs) are so prevalent in the Empire State. Whether you are riding a jet ski, a Sea-Doo or a WaveRunner, your PWC is in motion on the water around other watercraft. There will be risks involved – for you, any of your passengers, your PWC, and for others.
There are several ways to mitigate your risks while on the water. Always adhere to safe riding practices and ensure that riders and passengers always wear life vests. Just as important, New York PWC insurance can protect your assets in the event of an accident that results in injury or property damage. A member agent in the Trusted Choice® network is nearby to help. These independent professionals will assemble multiple New York PWC insurance quotes for you to compare. Contact an agent today to find out how to be certain you and your family are protected.
The Most Common Causes of PWC Accidents
Unlike automobile travel, there are no highways or traffic control devices on the water. Accidents are common, but most of them are preventable. The causes are usually one of the following:
- Operator error is the source of 90% of all accidents
- Lack of attention
- Lack of experience or skill
- Inappropriate speed – too fast for the conditions
Who Needs New York PWC Insurance?
Because operator error is a significant factor on the water in the Empire State, it is important to remember safe riding practices. Keep in mind that others on the water may or may not be taking safety seriously. A single error could cause you to damage your water craft or someone else's, and even your financial assets if you find yourself at the wrong end of a lawsuit.
While this protection is not required, New York PWC insurance can be a wise investment for anyone with assets at risk. While proper training is helpful, it does not guarantee that you will always avoid an accident with another watercraft.
What Does PWC Insurance Cover?
New York PWC insurance, in many ways, is similar to your automotive insurance. That is because it is a motorized vehicle that operates on a right of way (the water), with some limited rules (pass on the right of another craft, yield to larger craft, etc.)
When you review a PWC policy, it's a good idea to begin with liability coverage. That is the area where you are most vulnerable. Liability insurance covers you in the event that you are at fault in an accident. A complete policy will also have collision and comprehensive (other-than-collision) coverage. These can compensate you for the loss or damage to your watercraft from accidents, weather events, theft or vandalism.
There are also special coverages like:
- Wreckage removal/salvage
- Pollution coverage in case your craft leaks or spills oil or gasoline
- Towing coverage in case you have a mechanical breakdown on the water
Contact an agent in the Trusted Choice network to get a package of New York PWC insurance that meets your needs and matches the way you use you watercraft.
What Does NY PWC Insurance Cost?
Not all policies are the same, so you will need to meet with your local Trusted Choice member agent to assess your particular situation and determine the coverage options that will best fit your needs. There is no specific model that accommodates everyone.
New York PWC insurance is quite reasonable, given the very real possibility of devastating loss. Rates can vary based on a number of factors:
- The horsepower and type of watercraft
- Whether your PWC is a stand-up or sit-down model
- Whether it will need to be towed, or is docked at a marina
- Your driving record
- The driving record of all operators
- The location of the watercraft when it is not in use
- Whether or not your version is designed for a single rider, a driver and one passenger, or is a four person PWC
Compare New York PWC Insurance Quotes
To review New York PWC insurance quotes, work with an independent agent in the Trusted Choice network. Your agent can gather the information you need to determine the right amount of coverage and can assemble a number of quotes to suit your budget. Having a local member agent on your side means you will have the help you need to assess your coverage, get your questions answered, and file a claim if needed. Contact a nearby member agent today so you can enjoy your personal watercraft with less worry.