re: Does everyone carry insurance on their boats...?

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If I'm thinking of this right, liability only covers you if you mess up someone else's stuff?

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Yup...up to your coverage limits

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What do you do if someone hits your boat when you are trailering your boat or hit something and put a hole in it?

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Hope they have insurance or enough money to pay your repairs...if they don't and your policy doesn't include uninsured boaters...you are skunked.


I pay $135 a year for liability (300k), uninsured boater, physical loss and medical loss. All for an 18' bay boat, all said and done I think it's worth it.
I'm going to add adrift towing to it this year...was on someone else's boat when we broke down and SeaTow brought us back for a $650 bill...the extra 25 a year seems worth it.