Watercraft liability refers to the legal obligation of a watercraft owner to pay for any damages or injuries caused by their vessel. Watercraft liability can include accidents while operating the watercraft and damages caused while the watercraft is being transported or stored. Watercraft liability insurance is often required by law and can provide financial protection for the owner in case of any accidents or incidents.

When buying watercraft liability insurance, here are some tips to keep in mind:

1. Assess your needs: Determine the type of watercraft you own, how often you use it, and where you use it. This information will help you choose the right insurance policy.
2. Compare policies: Compare policies and prices from different insurance providers. Look for policies that offer the coverage you need at a price you can afford.
3. Check the coverage limits: Ensure your policy provides adequate coverage for damages or injuries caused by your watercraft.
4. Check the deductibles: Find out how much you must pay out of pocket before the insurance coverage kicks in.
5. Ask about discounts: Some insurance providers offer discounts if you take safety courses or have multiple policies.
6. Read the fine print: Carefully review the policy terms and conditions before signing up for insurance. Make sure you understand what is covered and what is not.

By following these tips, you can find the right watercraft liability insurance policy to protect you and your assets.

The California Boating Safety Course: Produced and copyrighted by the Department of Boating and Waterways, this correspondence course allows boaters to study at home at their own pace and covers state and federal boating law, rules of the road, boat handling, required equipment, navigational aids, accident reporting, and special topics.

Approved by the National Association of State Boating Law Administrators and recognized by the U.S. Coast Guard, this course includes an optional exam with two answer sheets. The exam consists of 50 questions. Once completed, the answer sheet can be forwarded to the department for grading. Those who complete the course are awarded Certificates of Completion, which many insurance companies recognize for discounts on boat insurance policies.

Personal Watercraft Insurance policies are designed to protect you and your watercraft from financial loss in case of an accident, theft, or damage. The policy can cover liability, medical payments, and physical damage to your watercraft. It’s important to review your policy carefully and understand the coverage limits, deductibles, and exclusions to ensure you are adequately protected. Add additional coverage options, such as personal belongings, towing, and assistance services. Learning about your Personal Watercraft Insurance policy

Boaters have raised complaints against personal watercraft, commonly known as Jet Skis. Some of the most common grievances include excessive noise, reckless operation, and collisions. Do not have common courtesy by jumping the wake of a passing boat or riding too close to another PWC or boat. Additionally, many boaters complain about the lack of safety features and regulations for Jet Skis, which can lead to accidents and injuries. 

Other complaints include the environmental impact of personal watercraft, such as the potential for oil spills and disruption of marine life. These complaints highlight the need for better safety regulations and education for Jet Ski operators.

If you plan on using a Jet Ski, being a courteous rider is essential to ensure your and others’ safety. Here are some tips to help you be a good Jet Ski rider: 

1. Keep a safe distance from other boaters and swimmers. This will help prevent collisions and injuries. 

2. Follow all boating and Jet Ski laws and regulations. This includes wearing a life jacket, not operating the Jet Ski under the influence, and obeying speed limits and no-wake zones. 

3. Avoid making excessive noise. Jet Skis can be loud, so try to be mindful of noise levels and avoid revving the engine unnecessarily. 

4. Be aware of your surroundings. Watch for other boats, obstacles, and changing weather conditions. 

5. Respect the environment. Avoid disturbing marine life and be mindful of potential oil spills. 

Following these tips can help ensure a safe and enjoyable experience for yourself and others while using a Jet Ski.

According to statistics compiled by the National Insurance Crime Bureau, there were 4,240 PWC thefts in 2019. Various reports show that jet ski theft is a common problem in many areas, especially during the summer when they are frequently used. It is recommended to take necessary precautions, such as locking the jet ski, keeping it in a secure area, and installing a tracking device to prevent theft.

Here are some tips to help keep your jet ski safe from theft:

1. Lock it up: Always lock your jet ski when not using it. Use a robust and sturdy lock that is difficult to cut or break.
2. Store it securely: If possible, store your jet ski in a secure garage or storage facility. If you must store it outside, consider using a cover to keep it out of sight.
3. Install an alarm: Consider installing an alarm system on your jet ski that will sound if the jet ski is moved or tampered with.
4. Use a tracking device: Consider installing a GPS tracking device on your jet ski. If it is stolen, you can track its location and recover it.
5. Be aware of your surroundings: When you are out on the water, keep an eye on your jet ski. If you see anything suspicious, notify the authorities immediately.

Following these tips can help prevent your jet ski from being stolen and keep it safe and secure.

Question: I am getting two jet skis, one for my Wife and me to go out on during warmer weather. I know I will need liability, but will the insurance policy cover in case of theft? 

Reply: Yes, jet ski insurance typically covers theft. However, the level of coverage and the specific situations in which theft is covered can vary depending on the policy. Reviewing your policy is essential to understand what is covered and what is not. Some policies may require additional coverage for theft protection, while others may limit coverage based on the location or time of theft. If you have any questions or concerns about your jet ski insurance coverage, it’s best to contact your insurance provider directly.

The approximate average lifespan of a Personal Watercraft (PWC) is around 300 hours of use. However, some models can last longer with proper maintenance and care. It’s essential to follow the manufacturer’s recommended maintenance schedule and to store the PWC properly when not in use to ensure maximum lifespan.

Here are some tips on how to expand the lifespan of your Personal Watercraft (PWC):

1. Follow the manufacturer’s recommended maintenance schedule: Regular maintenance can help prevent breakdowns and extend the life of your PWC. Regular maintenance includes regular oil changes, filter replacements, and tune-ups.
2. Properly store your PWC when not in use: When your PWC is not in use, store it in a dry, covered area to protect it from the elements. If you keep it outside, use a high-quality cover to protect it from the sun and rain.
3. Flush the engine after each use: Saltwater can be corrosive to the engine and other parts of the PWC. Flushing the engine with fresh water after each use can help to remove any salt and prevent corrosion.
4. Use high-quality fuel and oil: High-quality fuel and oil can help prevent engine damage and extend the life of your PWC.
5. Avoid overloading your PWC: Overloading your PWC can put unnecessary strain on the engine and other parts, shortening its lifespan. Be sure to follow the manufacturer’s recommendations on weight limits.
6. Be gentle with the throttle: Sudden acceleration and high-speed turns can stress your PWC’s engine and other parts. Be gentle with the throttle and try to avoid sudden movements.

By following these tips, you can help extend your PWC’s lifespan and enjoy it for many years to come.

Did you know that operator inexperience or recklessness is the leading cause of Personal Watercraft accidents? This is why it’s essential to have proper training and follow safety guidelines to prevent accidents and ensure an enjoyable experience on the water.

Here are some tips for avoiding PWC accidents

1. Take a boating safety course: Proper training is critical to operating a personal watercraft safely. Take a course to learn the rules of the water, how to handle your watercraft correctly, and how to avoid accidents.
2. Wear a life jacket: Always wear a properly fitting life jacket. In the event of an accident, it can help keep you afloat and protect you from injury.
3. Be aware of your surroundings: Watch for other boats, swimmers, and obstacles in the water. Avoid crowded areas and stay in designated watercraft traffic lanes.
4. Follow speed limits: Observe posted speed limits and slow down in congested areas or when approaching other watercraft.
5. Avoid alcohol: Drinking alcohol and operating a Personal Watercraft can impair your judgment and reaction time, making it more likely for accidents to occur.

Following these tips can help ensure a safe and enjoyable experience on the water.

If you are involved in a boat or jet ski accident, having Insurance can help you in several ways. First and foremost, Insurance can help cover the costs of any damages or injuries resulting from the accident, which can be substantial. Depending on the terms of your policy, your Insurance may cover repair or replacement costs for your vessel, medical expenses, and other costs associated with injuries sustained by you or others involved in the accident.

Additionally, Insurance can provide legal protection if you are sued due to the accident. Suppose you are found to be at fault for the accident. In that case, your insurance company may provide legal representation and cover any damages awarded against you up to the limits of your policy.

It’s important to note that insurance policies can vary widely in terms of coverage and exclusions, so it’s important to carefully review your policy and understand what is and isn’t covered. If you have questions or concerns about your coverage, speaking with your insurance provider or a legal professional can help you better understand your rights and options in the event of a boat or jet ski accident.

In the case of a boat or jet ski accident, who is at fault can be determined based on various factors, such as the actions of both parties involved, any applicable laws and regulations, and the circumstances surrounding the accident. Generally, the person who caused the accident will be held responsible for the resulting damages. 

However, in some cases, both parties may share fault, in which case liability may be divided based on their responsibility level. It’s essential to consult with a legal professional to understand your rights and options in the event of a boat or jet ski accident.

If you are involved in a jet ski accident, there are a few steps you should take to help protect yourself and others involved in the accident. 

• First, ensure everyone involved is safe and seek medical attention immediately if anyone is injured. Call 911 or the local emergency number if anyone requires immediate medical attention. 
• Next, exchange information with the other parties involved in the accident, including names, contact information, and insurance information. It’s also a good idea to take photos of the accident scene and any damage to the jet skis involved. 
• If there are witnesses to the accident, try to get their contact information as well. Their statements may help determine fault or liability. 
• Finally, it’s essential to report the accident to the proper authorities, such as the local police or coast guard. This can help ensure that necessary investigations are conducted and that all parties are held accountable for their actions. 

In any case, it’s a good idea to consult with a legal professional who can help you understand your rights and options in the event of a jet ski accident.

It’s always a good idea to have insurance when operating a jet ski, regardless of how often you use it. Accidents can happen at any time, and insurance can help protect you financially in case of any damage or injuries that may occur. Even if you only use the jet ski a few times a year, it’s still important to have coverage. You can check with your insurance provider to see what options are available for occasional jet ski use.

Here is something else to consider: Boating and jet ski accidents are often costly and dangerous. According to the US Coast Guard, there were 4,168 recreational boating accidents in 2019. There were 2,559 injuries, 613 deaths, and about $55 million in property damage. Accidents can happen to anyone regardless of how often they jet ski.

Question: I like to Jet Ski during the summer and spring, but I either borrow or rent a jet ski. I will buy a jet ski, saving me money in the long run. However, is having the insurance costly? I am figuring out a budget for the jet ski and related charges. 

Reply: The cost of insuring a jet ski can vary depending on several factors, such as the type of jet ski, its engine power, the age of the rider, and the rider’s location. Generally, insurance premiums for jet skis are higher than those for other types of watercraft due to the high rate of accidents and injuries. However, some insurance companies offer discounts for experienced riders, multiple policies, or safety features on the jet ski. 

It’s always a good idea to shop around and compare insurance quotes from different providers to find the best coverage and rates for your specific situation. You can quickly get a free jet ski insurance quote by contacting insurance companies that offer this type of coverage. You can search for insurance providers online and contact them to request a quote.  

Remember to change the engine’s gear oil to winterize your boat. If your boat has an inboard/outdrive engine, it’s also important to flush and replace the lower unit gear case lubricant. Doing so helps to keep the internal parts free of water damage and ensures that your boat is ready to go when the warmer weather returns.

If you don’t change your engine oil before winterizing your boat, the oil left in the engine can break down and become contaminated over time. This can lead to corrosion, sludge buildup, and other issues that can damage the internal parts of your engine. Additionally, if water gets into the engine oil, it can freeze and cause damage to the engine’s components. Changing your engine oil before winter is essential to ensure your boat stays in good condition and is ready to go when warmer weather returns.

As a boat owner, securing a comprehensive insurance policy is one of the most important decisions you’ll make. Unfortunately, insurance costs have gone up due to several mega-storms that have occurred in recent years. It’s crucial to understand the type of boat insurance you need and its cost.

Whether you require private or commercial boat insurance, safeguarding your investment should be your top priority, especially considering the damage caused to boats by recent storms. Insurance providers such as the ones represented by Global Marine Insurance have a range of boat insurance options to choose from.