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re: Does everyone carry insurance on their boats...?
Posted on 1/28/15 at 8:33 pm to SeaPickle
Posted on 1/28/15 at 8:33 pm to SeaPickle
quote:
If I'm thinking of this right, liability only covers you if you mess up someone else's stuff?
Yup...up to your coverage limits
quote:
What do you do if someone hits your boat when you are trailering your boat or hit something and put a hole in it?
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.
This post was edited on 1/28/15 at 8:34 pm
0
Posted on 1/28/15 at 9:06 pm to SeaPickle
quote:
quote: $300k liab only - $75/yr What do you do if someone hits your boat when you are trailering your boat or hit something and put a hole in it? If I'm thinking of this right, liability only covers you if you mess up someone else's stuff?
You are right. My boat is only worth about $3-$4k, so I'll just suck it up if I break it. If someone else hits me, I'm going after them. My assets and future wages are worth more and im more concerned with covering them.
Posted on 1/28/15 at 9:31 pm to Slickback
Ah I figured that was the case
Posted on 1/29/15 at 8:19 am to OleBallCoach
Ball coach $76 a year on any boat is unheard of.Please tell us your amount of coverage and how often u tell them you use the boat. On my bass boat I carry 100k with 10k contents and its $317 a year and that's the best deal I've had in a long time and it's with State Farm.
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