How Does Personal Watercraft Insurance Work?
Personal Watercraft coverage can protect your Jet Ski, WaveRunner, Sea-Doo, Boat etc from damage such as collision, theft and fire. It may also protect you, the driver, if you are responsible for damages to property or bodily injury you cause to another person. Your Personal Watercraft coverage can also pay medical costs if you get injured while operating your Personal Watercraft.
If you are in an accident with your Personal Watercraft and you have appropriate coverage in place, you can contact your agent or insurance company and file a claim. For example, say you have a two-person Personal Watercraft, and both you and your passenger are injured in an accident caused by another Personal Watercraft driver. Your Personal Watercraft is damaged beyond repair. In this example, you can file a claim with your insurance company for your medical costs and the replacement of your Personal Watercraft, if you have that coverage in place. The amount you receive would be based on your medical costs and the amount of damage you are covered for, after you pay your deductible.
In another scenario, if you cause an accident or a severe injury, the other party can file a liability claim with your insurance company. Your Personal Watercraft insurance would pay that person’s bodily injury costs and/or property damage costs, and would potentially cover your legal expenses if you are taken to court. Again, the amount of coverage available for the claim will depend on the amount of coverage you purchase.
