Watercraft

In case an accident should take place while riding a sit-down or stand-up jet ski (also referred to as a Waverunner or personal watercraft), it is always a wise more to have adequate insurance protection in place for all potential incidents.

Jet ski insurance is not merely a basic plan to cover the costs for repairs and damage after a accident, but of more importance to ensure ample protection is there in case of bodily injury to riders or third parties, in which case coverage for medical expenses is a necessity.

To arrange a full risks insurance plan for a personal watercraft it often helps to locate a marine insurer that specializes in boats in general or those completely dedicated to high-speed watercraft, such as jet skis.

Common benefits to a typical personal watercraft insurance plan include - fire, theft, vandalism, and accidental damage protection - uninsured or underinsured liability - medical expenses - a liability extension to tow water skis, wakeboards, kneeboard, or towable tubes.

Small sized powerboats and PWC often attract a high premium rate due to a larger number of accidents often coming down to those boaters owning a jet boat, water ski boat or personal watercraft. Reports indicate some of the common reasons for injury or accident whilst riding a jet ski include a reckless driver, insufficient or limited handling experience, or just a complete lack of attention to a riders surroundings.

Taking out a PWC insurance plan is not a requirement in all states (search a local states.gov website for full information); even though it is a benefit to ensure sufficient coverage is arranged should an accident take place in the future.