Whether it's whitewater rafting on the Colorado River, wakeboarding on glassy reflections of red rock at Lake Powell, sailing on Bear Lake or the Great Salt Lake, trolling for trophy fish at Strawberry Reservoir, or canoeing on quiet mountain lakes, Utah offers boaters and PWC enthusiasts a myriad of opportunities to head out on the water. With the popularity of boating and PWC use on the rise, however, the risk for accident and injury increases. Only a PWC insurance policy can help you quickly recover from a boating accident. However, before you search for PWC insurance, there are several factors to consider.
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Recent Utah Boating and PWC Statistics
According to the U.S. Coast Guard:
- There were nearly 100 boating and PWC accidents on UT waters in.
- Six UT residents died as a result of boating accidents.
- 50 people were injured as a result of PWC and boating accidents during the same year.
- More than 40 of those crashes involved property damage, resulting in nearly $260,000 in needed repairs.
- The average PWC or boating crash in UT causes $6,500 in damages.
Why Is PWC Insurance Important?
The average personal water craft can cost anywhere from $2,000 to $15,000, which is a considerable investment for most households. Not only do you want to protect your PWC from damages and ensure you can make swift repairs following an accident, but you also want to protect yourself against lawsuits should you injure another boater or damage their property. Only a PWC insurance policy can protect your assets and future earning potential from being subject to seizure if you are sued.
Am I Required To Carry PWC Insurance in Utah?
Each motorboat and personal water craft are required to carry the owner’s or operator’s liability insurance when operated on Utah waters. The minimum insurance requirements are:
- $25,000/$50,000 bodily injury/death;
- $15,000 property damage; or
- $65,000 combined minimum per accident.
Motorboats equipped with engines with fewer than 50 horsepower and all airboats are exempt from this requirement. Proof of insurance must be carried onboard the water craft whenever it is in operation. Evidence of insurance coverage includes one of the following items:
- An insurance policy;
- A binder notice;
- A renewal notice; or
- A card issued by the insurance company.
A motorboat owned by a non-Utah resident and registered in the nonresident’s state must meet that state’s insurance requirements or comply with Utah’s liability insurance requirements within 90 days.
Can I Find Coverage for My Particular PWC?
Not only does Utah law require PWC operators to carry insurance, but the state also requires these vessels to be registered. If you are obligated to register your particular PWC, chances are very good that Utah insurance companies have a policy that suits your craft. The most common types of PWCs include:
- Two-person PWCs
- Four-person PWCs
- Jet Skis
What Does PWC Insurance Cover?
Most insurance companies will give you a number of coverage options from which to choose when you build your PWC insurance policy. Remember, however, that any policy you choose must meet the state's minimum requirements. You should be given the following coverage options:
- Liability coverage: Can help pay for damages or injuries you cause to another person.
- Collision coverage: Can help pay for repairs to your PWC should it be involved in an accident, regardless of who is at fault.
- Comprehensive coverage: Can help pay for repairs to or replacement of your PWC should it be damaged or totaled due to severe weather events, fire, theft or vandalism.
- Uninsured boater coverage: Helps cover your costs in the event you crash with another boater who does not carry insurance.
- Accessories coverage: Can help pay for repairs to or replacement of certain equipment, such as floatation devices, fishing gear, or other features you have added to your PWC.
What Will My PWC Insurance Quote Look Like?
Due to the variables used to calculate PWC insurance quotes, it is nearly impossible to come up with an average cost. Insurance companies take several factors into consideration when they determine your quote, including:
- The year, make and model of the PWC
- The horsepower, engine type, and maximum operating speed
- The value of your PWC
- Any modifications made to the PWC
- Any boater safety courses you’ve passed
- The policy options you choose and the deductible limit you set
You should be able to find PWC insurance quotes between $150 and $500 a year.
Where Can I Find PWC Insurance?
You don't want your enjoyment of the serenity of Utah's beautiful rivers and lakes to be disrupted by worries about whether you could afford an accident. Knowledgeable, independent insurance agents in our network are always available to answer your questions, suggest coverage options best suited for your PWC, and even assist you in filing a claim. These agents have years of experience working with Utah insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates.
Contact an agent near you to find out how you can obtain the PWC insurance policy that best meets your needs and budget.