There is a common misconception that boating itself is especially dangerous because boaters spend time on unpredictable waters. While accidents on the water do occur, transporting a boat or personal watercraft to and from a dock or marina can present an even greater risk.
If you are involved in an accident while transporting your boat or watercraft, insurance coverage is often a primary concern.
Grove Financial & Associates Inc, serving Mechanicsburg, PA, explains what is and is not typically covered by a boat insurance policy.
Boat Insurance Coverage During Transport
Boat insurance policies are generally designed to cover damage to the vessel itself. In many cases, coverage applies whether the watercraft is damaged while on the water or while being transported on the road.
However, coverage may not apply if the damage is intentional or the result of extreme negligence. In addition, if you are found responsible for damage to another vehicle, property, or person while transporting your boat, that liability may fall under your auto insurance policy rather than your boat insurance.
Boat Insurance Provides Peace of Mind
If transporting your boat causes anxiety, having the right insurance coverage can help ease those concerns. Knowing your vessel is protected makes hauling it to and from the water far less stressful.
If your boat is damaged during transport, you will likely be responsible for a deductible, but the insurer may cover most or all of the remaining repair costs. It is also important to note that some policies do not automatically include coverage for boat trailers, which may require separate insurance.
Contact Grove Financial & Associates Inc Today
If you are shopping for boat insurance and live in or near Mechanicsburg, PA, Grove Financial & Associates Inc is ready to help. Call 717-763-8514 to request a quote and discuss coverage options.
