Most people consider boat insurance a necessity and are quick to put a policy in place when acquiring a boat. But, how many of you out there have even thought of insurance coverage for your personal watercraft (PWC)? The truth is that most automobile policies will cover your jet ski when it?s being towed, so the mind set tends to be that additional coverage is not needed.
Yes it?s! Each year there are dozens of accidents involving personal watercraft such as Jet Skis, WaveRunners or Sea-Doos. Education has caused a continual decline in accidents over the last few years, but the hard truth is that 24% of boating accidents in 2006 involved personal watercraft as reported by the U.S. Coast Guard. The reality is that the reporting agencies and the manner of reporting differ from state to state and even from lake to lake, so there is no way to definitively capture the exact numbers. A study done in California though confirmed the U.S. Coast Guard numbers by reporting that personal watercraft accounted for 18% of registered watercraft but were involved in 24% of the watercraft accidents. Those figures indicate that PWC are much more dangerous than their larger and more stable counterparts.
All of this is significant section of this specific issue. The reasons for this are quite obvious. First, they?re smaller than the average boat. They?re made to hold 1-4 people, with the majority of them only holding two. They?re not easy to see. Secondly, they move and maneuver much quicker than a boat and the companies that produce these toys are always looking for ways to make them go faster. This is part of their allure. Speed is what encourages most people to buy them, but speed is also a killer. Just as in the case of automobiles, the speed of the craft has been shown to contribute to not only more accidents but to more dramatic injuries and fatalities. Eventually, there is little regulation as to who can operate a PWC. Young people are at the heart of the majority of accidents. Putting a teenager or someone younger on a PWC is similar to putting them on a motorcycle. Water gives a false sense of security and safety, when facts show that hitting water at thirty mph with your head can be just as deadly as hitting the pavement. The difference is that on water you?re liable to drown when unconscious, something you will not do if on pavement. And yet, how often do you see someone wearing a life vest or helmet or both when driving a PWC?
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So, do not find yourself on the receiving end of a lawsuit or facing financially devastating medical bills without having adequate coverage for any PWC operators within your control. Be proactive in establishing safety rules, regardless of the lack of legislation. An accident can bring a quick end to summer fun so do what you can to prevent it; if an accident does happen, not having insurance will only compound its affect.
Along with riding personal watercraft, Joseph enjoys working in his gardens. Garden Harvest Supply is one of his favorite garden sites which offer cucumber plants and many other vegetable plants for sale.
Source: http://e-motorbikeinsurance.com/a-must-have-pwc-personal-watercraft-insurance/
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