Whether you enjoy the walleye fishing at Devil's Lake or cruising on the beautiful water of the Missouri River System, North Dakota offers variety and adventure for the PWC enthusiast. As the popularity of watercraft sports increases, however, so too do the accidents. Do you have a PWC insurance policy to help you quickly recover from an accident or injury? Before you search for PWC insurance, however, there are a few things to keep in mind.
These statistics are available from the U.S. Coast Guard Office of Boating Safety:
Personal watercraft are fast, powerful and challenging to ride, and they are a popular choice for on-the-water activities. That is why it's important to know how to drive them safely, competently and courteously. All PWC operators should adhere to the following guidelines:
Although not required by North Dakota State law, PWC insurance offers the kind of protection you need while operating your vessel. North Dakota does have the following regulations all boaters and PWC operators must follow:
Taking a PWC safety course not only gives you the skills needed to avoid costly injuries and accidents, but taking such a course can also save you money on your PWC insurance premiums.
You follow the rules of the lake or river; you have taken the North Dakota PWC safety course; and you never operate your vessel beyond your abilities. You're safe, right? But what about the "other guy"? Only a PWC insurance policy can help you make swift repairs to your personal watercraft in the event another boater or Jet Ski operator damages it. A comprehensive policy can also help protect you from lawsuits due to injury or property damage to another person while you are operating your PWC.
As the popularity of PWCs increases, the number and variety of these types of pleasure boats have also increased. Most ND insurance providers have a policy that can insure most PWCs, including the following:
The type of coverage your PWC insurance policy will offer depends on the choices you make. You should be able to find a policy that includes the following types of essential coverage, as well as some additional forms of protection:
The quotes you get from North Dakota insurance providers on your PWC premiums can vary from company to company. Most insurance companies take the following into consideration when they calculate your quotes:
It's important to compare quotes from a variety of providers to ensure the policy you buy is the best available.
Riding your PWC can be a fun and relaxing way to see North Dakota. Just one accident can turn a scenic moment into chaos, however. That's why you want the protection of an insurance policy. Knowledgeable, independent insurance agents in the Trusted Choice® network can help you find quotes from a variety of insurance companies, ensuring the policy you buy will offer the best coverage at the most affordable rates.
Contact a Trusted Choice member agent near you before you hit the water this year.