More people are taking to the water in PWCs, or personal watercrafts. Their size, speed, agility and ease of handling make them fun for all ages. All that speed and power, however, can lead to mishaps. The National Institute of Health reports that as the PWC popularity rises, so do accidents and injuries.
Personal watercrafts appeal to the experienced boater, but also to the younger, less experienced crowd. Popular PWC models on the market include Jet Ski, WaveRunner, and Sea-Doo. Some of the newer PWC models have three times more horse power than original Jet Skis and can reach 60 miles per hour.
Getting good coverage, particularly for medical expenses and liability costs, is critical. Be sure to talk with an independent insurance agent in the Trusted Choice® network about the coverage you need. Make sure you’re covered for everything from hospitalizations to major liability claims.
Operator error accounts for 90 percent of accidents with personal watercrafts. When you think about the number of speed boats, water skiers and other water enthusiasts on the water at any given time, it is not surprising to know that a lack of attention or skill can lead to errors and accidents.
Because of the unique characteristics of a PWC and accidents involving these crafts, many insurers have limited or excluded coverage for PWCs on other policies. Don’t assume your homeowners or boat policy covers PWCs.
To make sure you are adequately protected, you should discuss the following types of coverage and issues with your independent member agent:
When you get PWC insurance quotes, it is important to compare coverage options and pricing from various companies. Each insurance company will handle PWCs differently. Most policies cover liability, but the details vary. Also, each specific company will offer different kinds of optional coverage.
Be sure to get the information you need to make the right decision on PWC coverage for the riders in your family. You can get a free quote from an independent agent in the Trusted Choice network and get the assistance you need.
Liability insurance covers damage you cause to others or to their property, and the costs of your legal defense if you are taken to court. Because PWCs accommodate one to four riders, multiple people can be at risk in any given accident, even involving just one watercraft. Some can pull a skier or wake boarder, which increases risk.
Riders can become injured when bouncing over waves or overturning. Drivers, especially inexperienced drivers, may not have the skill to make quick decisions to avoid swimmers, other watercraft, docks, piers, or shallow water.
Fractures and soft tissue injuries are among the most common PWC incidents. With the high cost of medical care, even a comparatively minor injury can cost thousands of dollars out of pocket without adequate bodily injury coverage. In addition to the cost associated with injuries, you may be liable for damage to another’s property, as well.
When you, your family and friends are having fun on a hot summer day, the last thing you need to worry about is your insurance. Let your independent Trusted Choice member agent do that for you, so you can have peace of mind.
You can get instant online quotes for your PWC coverage with the Trusted Choice network, saving you time and energy as you find the insurance that's best for your needs and budget. Get a free quote from an independent agent who will provide the guidance you need to find the best coverage for you at a price you can afford.