Personal Watercraft Insurance – Cold Incapacitation
Cold Incapacitation – Very soon after immersion, the cold water can impair your ability to undertake critical survival activities. You might not be able to put on your life jacket, hold onto a floatation aid, re-board your vessel, climb a ladder, hold a rescue line, swim, or stay afloat. Swim failure can happen even to “good” swimmers. Many classed as “good” swimmers in a heated pool are unable to swim even short distances in cold water, even to save their life. This loss of manual dexterity is not caused by a low core body temperature (hypothermia.) Hypothermia is the next step.
