PWC (Personal Watercraft) Insurance can help in protecting your investment in the personal watercraft you own, in case of any damage to it due to theft or accident. It can also protect you from the liability of damage caused by it to some other person or property owned by other people.
Depending upon the terms of your policy PWC insurance can cover:
- Physical destruction/loss of your PWC in case of accident or theft
- Physical destruction/loss of your PWC in case of accident or theft
- Physical injury or death caused by you while driving PWC
- Injury incurred by you due to accident by another boater without any insurance cover
- Liability of watersports for a water skier towed by you
- Payments of medical treatment
- Cost of towing or removal of wreck
- Cost of towing or removal of wreck
- Cost of towing or removal of wreck
- Cost of towing or removal of wreck
By adding additional coverage you can customize your PWC insurance policy.
PWC insurance covers the protection from the damage caused to your PWC due to theft, fire and collision. It also protects you from the property and physical damage caused to some other person. It also covers the cost of your medical treatment in case of getting injured when your PWC is operated by you.
If at the time of an accident you are covered appropriately with PWC Insurance then you can call the insurance company or your agent to file a claim. You can file a claim with your insurance company for the medical expenses incurred by you in case of getting injured with a passenger in an accident with another PWC as well as the replacement of your PWC damaged beyond repair in that accident. You will have to pay some deductibles to get the insurance amount on the basis of the cost of your medical treatment as well as the cost of damage covered under your PWC insurance policy.
If at the time of an accident you are covered appropriately with PWC Insurance then you can call the insurance company or your agent to file a claim. You can file a claim with your insurance company for the medical expenses incurred by you in case of getting injured with a passenger in an accident with another PWC as well as the replacement of your PWC damaged beyond repair in that accident. You will have to pay some deductibles to get the insurance amount on the basis of the cost of your medical treatment as well as the cost of damage covered under your PWC insurance policy.
The cost of PWC insurance on annual basis can vary depending upon various factors including:
- Model and year of make of your PWC
- Type, horsepower and maximum speed of your PWC
- Modification done in PWC
- Market value of PWC
- Market value of PWC
Along with it, the rate of your PWC insurance will also depend on the type and amount of coverage selected by you. The cost of insurance can be low if you opt to cover only the damage to your craft or injury caused to another person. But if you opt for the replacement of your PWC then its cost can be higher.
For a consultation and quote contact us at S.T. Good Insurance of Florida today at (772) 287-3625.