Personal Watercraft Insurance – Prohibited Operations
Prohibited Operation: The following types of boat operation are incredibly unsafe and thus denied:
- Operating any vessel while under the influence of alcohol or drugs. A blood alcohol concentration of .08 BAC is the current standard of intoxication in Massachusetts. Penalties have increased substantially and may result in losing a driver’s license and operating a motorboat within 150 feet of a swimming area, whether public or private.
- Operating at an excessive speed considering weather conditions, boat traffic, and other hazards.
- Operating at a speed greater than 45 m.p.h. for inland waters is always excessive.
- Operating a motorboat without properly working lights or while water-skiing/jet-skiing during the nighttime.
- Operating at greater than headway speed (6 mph or less) when within 150 feet of a swimmer, waterskier, mooring area, marina, or boat launch.
- Operating, when the operator’s vision is obscured in any way.
- Operating in an overloaded condition – carrying a total weight that exceeds capacity plate recommendations or is excessive considering water conditions.
- Bow riding, unless the motorboat has adequate guardrails.
Personal Watercraft Operation. Personal watercraft (PWC) are considered “motorboats” by law and thus must comply with all boating laws and navigation rules, including the speed and operation provisions above. Additionally, PWC users must adhere to state regulations specific to PWC operations. A new regulation places the legal responsibility for operation on the PWC’s adult operator, owner, or renter.
