Wave runners, jet skis and other personal watercraft add a lot of fun to your summer, but the extra thrills come with increased risk and responsibility. In this article you will learn what type of Personal Watercraft Insurance you need, what kind of safety equipment you should have, and how to stay safe on the water.
PWC Safety
Wave runners and other types of PWCs (personal watercraft) are more popular than ever, but many people fail to realize that they can be every bit as dangerous as a boat. In 2010, PWCs were the second largest cause of water fatalities. Operators of PWCs should take precautions at all times, and keep the following on the craft:
1. A marine radio, to get weather reports or call for assistance
2. Proof of insurance in case of injury or accident
3. A compass (if you are in a new area)
4. A whistle, flare gun or other signaling device
5. A flashlight
6. Current charts for the area
Certain items are mandatory for PWC passengers and operators, such as a flotation device and a lanyard connecting the ignition to the operator.
Getting Your Personal Watercraft Ready for Winter Storage
Just because you don’t use your jet ski or wave runner during the wintertime, does not mean you should not protect it. Personal watercrafts are not covered under homeowners’ policies, but there are three kinds of PWC insurance available from Olsommer Clarke Insurance Group Inc:
Medical payment coverage pays medical bills for injured passengers and PWC operators
PWC liability coverage pays for injuries and property damage sustained by people other than the operator and/or passenger
Physical damage coverage safeguards your personal watercraft both in and out of water. This coverage will protect your watercraft during storage, from vandalism, theft, fire and natural disasters. It also covers your PWC during transport from storage to the dock, and back again.
Personal watercraft are fun and easy to use, but operators should not be lulled into a false sense of security. Always follow the proper procedures and keep safety equipment on board -; and always have the right kind of Personal Watercraft Insurance to protect yourself and your investment.
