Although the State of Washington does not require personal watercraft (PWC) insurance, almost every PWC owner should insure their machine. Accidents happen, and the U.S. Coast Guard reports that PWCs have the highest accident rate among boat types, so insuring your PWC makes sense. Our team at Alpine Ridge Insurance, serving the Auburn, WA area, will happily review these issues with you and structure coverage that best meets your needs.
Boat Insurance Considerations
PWCs can travel at high speeds and are often driven by younger individuals with limited experience operating watercraft, so they are involved in accidents. In addition, PWC accidents often include collisions with other PWCs or boats, resulting in blunt-force trauma to the PWC driver and passengers. It would be best to consider this aspect of PWC accidents when setting your coverage limits on a PWC policy.
Like boat insurance generally, PWC insurance has core components and numerous options. For example, the policy may include:
-Collision or property damage to your PWC or the property of others
-Bodily injury/medical coverage for riders and others
-Options covering trailers, towing, salvage, and fuel spills
PWC policies have minimum coverage amounts that depend on your PWC’s age, size, and value. However, the coverage limits you should carry depend on what you have to lose and your willingness to take risks. Those with significant assets generally take higher liability limits or have umbrella insurance for additional protection.
We Are Here To Help
PWCs can be great fun, but that fun leads to the need for insurance. If you are in the Auburn, WA area, our team at Alpine Ridge Insurance can structure a PWC insurance plan to meet your needs. Call or stop in today to discuss your options before returning to the water.