Under 65 Disabled Medicare

Liability Coverage -

Much the same as auto insurance, boat insurance provides personal liability. This means that it pays for losses and damages for other boat riders and boat owners should you be at fault in an accident. This coverage provides payment for repairs or property replacement. It also pays for medical costs and lost wages as well as other payments due to a boat collision that you are liable for.

Medical Payment Coverage -

This coverage pays for medical care incurred because of a boat accident. Covering the policyholder, the passengers and any involved water skiers and tubers, it is broad protection irrespective of who is the liable party.

Physical Damage Coverage -

This coverage takes care of boat, motor, permanent equipment and tailor repair or replacement costs.

Uninsured/Under-insured Watercraft Bodily Injury Coverage

Unlike auto insurance, boat insurance is not mandated by the government. If you should be in an accident with another boat that has no coverage or is under-insured, this form of insurance will pay for medical bills, lost wages and other covered costs connected to the collision.

https://training.joniandfriends.org/eportfolios/258/Carey/CISSAM_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CLTD_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CPABusiness_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CPAFinancial_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CPARegulation_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CPEA_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CS0002_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/CV0003_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_ARCON_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_ARP2P_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_ARSOR_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_ARSUM_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_BW4HANA_20_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_C4HCBU1808_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_C4HMC92_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_CP_11_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_FSUTIL_60_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_PO_7513_PDF

https://training.joniandfriends.org/eportfolios/258/Carey/C_S4CFI_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_S4FCF_1909_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_SAC_2008_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_TADM70_19_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_TAW12_740_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_TBW50H_75_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR81_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR82_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR83_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR84_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR85_2005_PDF

https://training.joniandfriends.org/eportfolios/258/Garza/C_THR86_2005_PDF

Fuel Spill Liability/Wreckage Removal -

In the scenario that your boat sinks or is extensively damaged, an oil or fuel leak is likely. Legally, you are responsible to clean any of this out of the water. With this coverage, all payments and cleanup will be handled by the insurance company.

Personal Effects Coverage -

While this insurance does not cover jewelry, watches or furs, it does provide protection for clothes, cell phones, sports equipment and fishing gear.

Unattached Equipment Coverage -

This will pay for any equipment that is not attached, yet is used on your boat. Covered items include: lifesaving apparatus, water skis, oars, fire extinguishing equipment, tarps and the like.

Emergency Assistance Coverage -

This will pay for towing, labor on repairs and delivery of gasoline and oil. It will also provide coverage for a loaned battery in the event the boat is not functioning as it sits on the waters.

Prime Insurance is a 3-generation family-run independent agency that has won the admiration of the industry. We've been appointed to conduct direct business with more than 40 of the leading companies - big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With over 10,000 satisfied customers, we benefitThinking of buying a Rigid Inflatable Boat (RIB)? Well assuming it's for private and pleasure (P&P) use (commercial use will be dealt with in a separate article) here's a guide to some of the insurance issues you may encounter as well as some of the benefits you might get as part of your cover.