Personal Watercraft Insurance, Boating and liability
If you are in control of a boat when an accident occurs, you will most likely be found at fault if you are believed to have acted with negligence. In other words, if you have not acted reasonably, have failed to take adequate precautions, and have failed to follow maritime laws and regulations, you will be found at fault for a boating accident.
If you have caused an accident on the water you may face both civil and criminal litigation. Victims are fully within their rights to sue you just as they could for a car accident. This could include damages to property, medical expenses and more. The state could also make a case against your for being a reckless boat driver, driving under the influence of alcohol, or being grossly negligent. Most boat insurance companies will not cover loss or damages for a boater who is guilty of negligence, driving while intoxicated or operating the boat in an unsafe manner.
