The Lone Star State has more square miles of inland waterways than any other state and the 6th longest shoreline in the country. This gives owners of personal watercrafts, often referred to PWCs, plenty of places to enjoy this recreational pastime. Unfortunately, accidents sometimes happen. To protect your finances as well as the investment you have made in your watercraft, consider purchasing a Texas PWC insurance policy.
When shopping for a PWC policy, you may benefit from the assistance of an independent insurance agent in the Trusted Choice® network. These agents can answer your questions, suggest suitable coverage amounts, and offer you a variety of competitively-priced policies from which to choose. Instead of getting a limited selection, contact a Trusted Choice member agent near you for personalized service. You can be comparing Texas PWC insurance quotes in no time.
The state Parks and Wildlife Department (TPWD) defines a PWC as a type of motorboat that is designed for an operator to sit, stand, or kneel on instead of sitting inside. Popular examples of PWC include Jet Skis, Sea-Doos, and Wave Runners.
PWCs come in four specific model types, among them are:
The Texas Parks and Wildlife Department (TPWD) regulates PWC use on state waters. Some laws enforced by the TPWD include:
While the state does not require PWC owners to carry liability insurance, this coverage can prove to be very important. You may be held liable for injuries or damages you cause while operating these watercrafts. If a third party suffers severe injuries, the medical costs for continued care can be quite high.
Additionally, you have likely spent a lot of money on your PWC. If it is damaged, whether by a collision or other means, you may benefit from having coverage to compensate you for your losses.
A very basic Texas PWC insurance policy will provide you with liability insurance. This will provide you with the necessary coverage to compensate third parties for bodily injuries and property loss if you are responsible for a collision while operating your PWC. Liability insurance will cover court costs and legal fees if you are sued for a covered event.
You may also select other coverage options including:
The cost of your PWC policy will depend on many factors including the type of PWC you are insuring, its purchase price, where and how often you use your PWC, where you store it when not in use and your driving history. Most policies can be purchased for under $1 a day.
You may be able to get a reduced price on your PWC insurance by taking advantage of discounts offered by some insurance providers. Discounts can often be found for:
Finding a great price on Texas PWC insurance may require some comparison shopping. A local Trusted Choice member agent can save you time by obtaining a rate quotes for you. These independent agents can provide you with policies from a variety of top-rated companies and help you compare their offered coverage.
All agents in the Trusted Choice network have pledged to provide customers with exceptional service and honest, ethical advice. Contact an agent in your neighborhood today to learn more about Texas PWC insurance.