Did you know that in 2015 alone, there were 4,158 recreational boating accidents with 2,613 injuries and $42 million in related property damage, this according to the U.S. Coast Guard.

Without personal watercraft insurance, you could end up paying out of pocket for damages caused by an accident. If you think about it, the financial burden of a boating accident is not just limited to the cost to repair or replace your own boat. Consider also the potential expenses of covering damage to someone else’s property, and even medical bills that may arise when people are injured.

Just likely your auto insurance liability insurance helps to protect you against the following.

* Bodily Injury: Liability insurance may help prevent you from paying out of pocket for medical bills and other related costs, like loss of income, when someone is injured in an accident that you caused.

* Property Damage: Liability may help cover the costs of repairing or replacing another person’s boat or property when you damage it in an accident. This type of coverage typically kicks in after a collision, but it may also help in other scenarios: such as, if you have an accidental fuel spill that damages someone’s property.