Popular waterways are the central hub of personal watercrafts (PWCs). Aficionados know that preparation is crucial to staying safe on the water.
There is a way to add an additional layer of protection, and that’s protecting your PWC with watercraft insurance in Salem OH.
It’s important to be sure that you have adequate insurance coverage for your PWC, especially since your homeowners or auto insurance policies typically won’t cover them or, if they do, the coverage may be limited.
Here are five factors every consumer should consider when purchasing personal watercraft insurance in Salem OH.
Get specific PWC insurance policy. Most of these PWC policies will cover bodily injury, property damage and medical payments. They typically include deductibles for property damage, theft and medical payments. Most policies include liability limits, which fluctuate by state. Liability coverage typically provides financial protection in the event that you are liable as a result of a covered accident.
Each PWC needs to be insured. If you own several PWCs, each one will need to be insured with watercraft insurance in Salem OH, but may not require its own policy, as some boat insurance policies can be built to cover personal watercraft as well. Be sure to check with your agent to review your options.
Review your policy carefully. Most PWC policies provide coverage whether you are operating the vessel yourself or you loan it to someone else. Although the facts and circumstances of each case must be evaluated based upon the applicable laws and policy language, in most cases, regardless of who is operating it, you would be covered for the following:
- Damage to another craft or dock;
- Bodily injury or death to another person due to your negligence;
- The negligence of another driver while using your PWC;
- Towed water skiers or wakeboarders who become injured while using your craft;
- Physical damage to the hull, machinery and equipment;
- Injury caused by an uninsured watercraft operator.
Because some coverages for watercraft insurance in Salem OH are optional and must be added on, be sure to read your policy carefully to be certain you are getting the coverage you need.
Not every policy covers everything. Depending on your insurer, you might not be covered for everything. A PWC that has been altered to enhance speed and performance is typically not covered.
Consider coverage extras on your watercraft insurance in Salem OH.
Other coverage areas you should obtain more information about include:
- If your policy will cover the replacement cost of personal items that are lost or damaged while on board;
If your policy will replace the actual cash value of your PWC if it is damaged during use;
- Roadside assistance in case your tow vehicle or trailer is damaged or disabled;
- If your policy covers costs of raising and removing your PWC if it sinks.
Be prepared this summer by getting a quote for personal watercraft insurance in Salem OH and making sure your PWC is covered for damage, and medical payments.
Call our office today at (330) 337-9557 so we can discuss the coverage you need to protect yourself!