PERSONAL WATERCRAFT INSURANCE
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What is a Personal Watercraft? – Personal Watercraft Insurance

Saturday, May. 27th 2023 11:12 AM

The U. S. Coast Guard classifies personal watercraft (PWC) as inboard boats. That means personal watercraft are subject to the same rules and requirements as any other powerboat, plus additional conditions specific to PWC. The PWC operator has primary responsibility for maintaining a proper lookout and avoiding accidents.

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PWC can be dangerous if not operated responsibly

Wednesday, May. 24th 2023 10:52 AM

PWCs are a great deal of fun because of their maneuverability and power. For these same reasons, PWC can be dangerous if not operated responsibly. The potential for danger is illustrated in the 2003 boating accidents in Virginia, showing that although PWCs comprise just over 10% of all registered boats, they were involved in 22.6% of all boating accidents. As a fast-growing boating segment in Virginia and the nation, personal watercraft operators need to become more safety conscious through personal responsibility. “Personal” focuses on the operator’s independent decision to act responsibly. Safe PWC operation requires quick and responsible decisions based on mature judgment.

With the decision to operate the PWC responsibly, you should remember several essential pieces of information to keep your ride safe. Some of the information deals strictly with the boat’s mechanics. Other information is common sense, and the rest of the details include the laws. First, let’s look at operation logistics.

Although PWC is involved in a disproportionate number of boating accidents (property damage and personal injury), they have an excellent safety record for boating fatalities. The main reason for low fatality rates on PWC is that all PWC operators, passengers, and persons being towed by a PWC must wear a U.S. Coast Guard-approved life jacket. Other boat operators and passengers are only required to have wearable life jackets on board but are not required to wear them. Using high-impact life jackets by PWC operators and passengers is encouraged as the high-impact types have more straps on the PFD vest to hold it on during a sudden spill into the water at high speeds. Also, jet-drive propulsion is safer than a propeller motor. However, the jet drive intake will attract loose items and pull them through the jet drive, much like a vacuum.

Items too large to enter the intake area will be held against the intake grates until the engine is turned off. Common sense tells us to keep the site near the water intake free of obstructions. Obstructions might include sand, stones, seaweed, or such things as clothing, straps, fishing line, plastic bags, and even long hair. The jet intake is robust and will suck anything into its impeller, damaging the pump.

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Personal Watercraft Insurance – Covered Person

Monday, May. 22nd 2023 10:38 AM

In your watercraft insurance policy, a “Covered person” is defined as you or any person or legal entity operating your Watercraft shown on the policy declarations page for private pleasure use.

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Personal Watercraft Policy General Provision

Friday, May. 19th 2023 10:34 AM

What is the Agreement: An agreement is a legal contract between you and the insurance company. The insurance company will provide the insurance coverage described in the policy in return for the premium and compliance by all covered persons with all applicable provisions of this policy.

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Investment can Help you Recover from Theft.

Tuesday, May. 16th 2023 1:38 PM

While most people are law-abiding boaters and water-sport enthusiasts, some people are dishonest and will try to take advantage of your trusting nature by stealing PWCs. When a thief steals a jet ski for themselves or attempts to sell it online, your chances of recovery are slim. Therefore, personal watercraft insurance provides an essential safeguard for your investment.

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Protect your JetSki Investment with Insurance

Saturday, May. 13th 2023 1:10 PM

As with any water vehicle, a jet ski is not typically cheap. Maybe it took you a while before you had enough money to buy one and ultimately invest in a fancy jet ski. You owe it to yourself to back up that investment if the unexpected occurs and the jet ski ends up broken or lost.

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Personal Watercraft Insurance For A Jet Ski?

Thursday, May. 11th 2023 6:32 AM

Although Jet ski insurance is not a requirement, having insurance is advised. When you engage in potentially dangerous activity on the water with your jet ski, it is only practical to have an insurance policy that will keep you covered in the case of an accident.

Suppose you wind up injured or your jet ski causes injury or damage to the person or property of a fellow water-going party. In that case, it makes sense to have an insurance policy to keep you covered if something goes wrong onshore or on the water.

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Do You Need Insurance For A Jet Ski? – Personal Watercraft Insurance

Monday, May. 8th 2023 10:25 AM

Jet ski insurance is not a requirement, but it is wise to have your jet ski insured. Depending on your boat insurance provider, you can get jet ski insurance with several levels of coverage. When you have your jet ski insured, you can include it as part of a claim for theft, loss, or damage.

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Personal Watercraft Insurance – Determining the value of your PWC before selling it.

Friday, May. 5th 2023 10:02 AM

There are several ways you can find out the value of a boat with precision. Most importantly, of course, reading about it. There is information on the latest trends in navigation in several magazines and newspapers printed by various boating people. Given the current picture of what to buy and what to sell, and the price of a specific type of vessel, whether a small houseboat, boat, sailboat, or huge. Fans widely discuss boats and race boats. From these magazines and ads, you can compare different brands and models and also more recent varieties of ships. All information is updated, and research and people who depend on them for business are more than twenty million euros. Thousands of boats are bought and sold through these documents, and they also can read and get the exact knowledge without having to hire an expensive marine surveyor or broker.

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PWC Insurance Only Let Friends Operate Your PWC with it.

Tuesday, May. 2nd 2023 9:31 AM

Things you should know before Letting someone else operate your PWC. You will want to get your watercraft insured first. Insuring your watercraft is simply a liability precaution. You could be responsible for medical bills or property damage if you do not have it insured.

Another aspect to think about is if you are letting someone borrow your PWC, there is potential for neglect or even for someone to steal it. When you lend it to a friend, the PWC is your responsibility and has potential motor risks along with a variety of other aspects that insurance will be able to set your mind at ease.

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Personal Watercraft and Accidents

Saturday, Apr. 29th 2023 9:18 AM

Personal watercraft (PWCs), or jet skis, have become one of the most popular boating vehicles used in recreational bodies of water. Consequently, PWCs have also become a significant source of boating accidents and fatalities. In 2017, 18 percent of all boating accidents occurred on personal watercraft, which accounted for 624 injuries.

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Personal Watercraft Insurance – Wakeboard Vests For Any Water Sport

Thursday, Apr. 27th 2023 9:59 AM

Life jackets, or live vests, must be used with most all water sports to be participating safely. This is true for everything from wakeboarding to wake surfing. Some suggest that there is always the potential danger of hitting your head and becoming unconscious. We have always recommended you check your equipment and make sure it is functioning correctly then be sure your insurance is up to date and you are paying the best price.

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Personal Watercraft Insurance – Water Proofing

Sunday, Apr. 23rd 2023 9:51 AM

Water Proofing Your Homemade PWC Covers

Your homemade boat covers are the best you can have at the most affordable rates and the most convenient custom designs available. Most of them can be seen to be of low standard simply because the ability of their cotton canvas materials to proof water is minimized thus making them unfair for use in places where rain, mildew and moisture are dominant. Nevertheless, you do not have to worry because you can still water proof your homemade boat cover and bring it to the standards of the best custom ones.

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Personal Watercraft Insurance – Circum-rescue Collapse

Thursday, Apr. 20th 2023 9:42 AM

Circum-rescue Collapse – This occurs during or after rescue. Once rescued after you have been immersed in cold water, you are still in danger from collapse of arterial blood pressure, which can lead to cardiac arrest. Also, inhaled water can damage your lungs, and heart problems can develop as cold blood from your arms and legs is released into the core of your body.

Your chance of surviving cold water immersion depends on having the ability to swim, to keep your head out of the water (even without floatation aids), and the ability to avoid panic. You need to have sufficient flotation in order to keep your head above water, control your breathing, have a timely rescue by yourself or others, and to retain heat. Prepare for boating in cold water conditions by always wearing a secured life jacket (PFD) and wearing layered clothing for insulation.

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Personal Watercraft Insurance – Hypothermia

Monday, Apr. 17th 2023 9:40 AM

Hypothermia (Deep Body Cooling) – Once you are immersed in cold water, your core body temperature begins to decline and hypothermia can set in as quickly as ten minutes. This rate depends on water temperature, clothing, body type, and your behavior in the water. Cold water robs the body of heat 25 times faster than cold air. In many cases, you may lose consciousness and drown before your temperature drops low enough to cause death.

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