Oklahoma's hot, humid summers make residents and visitors alike swarm to lakeshores. While Oklahoma may not be known for water, this state is home to more than 200 lakes. Some of the more popular activities on the lakes are speed boat racing, fishing and canoeing. With such a diversity of boats using the lakes, it's important to know the rules of water, along with having sufficient PWC insurance to protect yourself and your boat in case of an accident.
In Oklahoma, youth 12 and younger are not allowed to operate any PWC with a motor more than 10 hp. Any individual age 13-16 must complete a boater safety course before being allowed to operate a PWC. Also, any 13-16 year old operating a PWC must be within viewing range of an adult at all times. If the PWC is a two-seater or more, an adult must ride with the child in order to take control of the vessel in case of emergency.
While PWC insurance is not required in the state of Oklahoma, if you have taken out a loan to pay for the PWC, your lender may require you to carry insurance on it.
While they may be fun to ride, PWCs do carry with them a higher risk of an accident, due to their increased speed and small size.
PWC accidents can be the worst of all because riders are open to the elements and not secured. Whether it be a run-in with a dock, shore, or another boat, PWC riders get the full force of the impact, and boating accidents can cause lots of damage.
Beyond wearing a life jacket, the next best way to protect yourself is to have PWC insurance. PWC insurance can help cover the costs incurred due to an accident, and can protect you from hefty financial burdens an accident can bring with it. Here are just a few of the ways PWC insurance can protect you and your boat on Oklahoma waters:
There are other optional coverages to consider as well, such as:
You can insure any type of PWC. From stand-up PWCs, to four person and submersibles, any type of PWC can be insured in Oklahoma. When searching for PWC insurance quotes, be sure to note down the following information:
All of these factors are considered when calculating a quote.
While every company is different, there are typically many types of discounts available from Oklahoma insurance providers, such as:
It's always important to be protected on the water. Having a PWC insurance policy in place works like a life jacket, in that it will help keep your finances afloat in case of an accident.
When searching for PWC insurance, a Trusted Choice® agent is always available to help answer questions, make sure you're sufficiently covered, and will even help you file a claim. Contact an agent today to find out how your PWC can be insured. Head out to Oklahoma's beautiful lakes knowing you are protected.