Personal Watercraft Insurance is not mandatory in California; however, each owner and operator of a personal watercraft is still legally responsible for bodily injury and property damage caused by his/her actions. The term Personal Watercraft Insurance is commonly called Jet Ski Insurance even though Jet Ski is a trade name owned by Kawasaki, just as WaveRunner and Sea-Doo are trade names of other personal watercraft manufacturers.
A Personal Watercraft Insurance policy insures you against common liability perils. They include the following and more.
- physical damage to another watercraft or dock
- bodily injury or death to another person
- negligence of another operator using your personal watercraft
- bodily injury or death to a water skier or wake boarder
- physical damage to your watercraft
- damaged or lost personal property
- uninsured watercraft operator
- towing & assistance on the water
- trailer damage
- vandalism
Like automobile insurance, you may purchase options, such as the following.
- liability-only
- higher liability limits
- towing and roadside assistance
- fuel spill
- bodily injury or death to a water skier or a wake boarder
- wreck removal
Consider your situation carefully before making choices. The cost of your personal watercraft will probably be a major factor in your coverage choices. However, usually your best choice is to get an all-risk policy that covers your personal watercraft in storage, in transit, and on the water. Remember that “all-risk” means all perils except those that are specifically excluded in the policy.
SOUTHERN STATE INSURANCE SERVICES
(800) 200-0774
