Uninsured boater insurance is a policy that provides financial coverage if you’re involved in an accident with an uninsured individual. This situation occurs more frequently than you might think. Not all plans include uninsured boater insurance, which is why it’s important to understand your policy limitations. Our agents at C & H Insurance Associates LLC, located in South Carolina, are here to help guide you through everything you need to know.
Understanding Uninsured Boater Insurance Coverage
Uninsured boater insurance essentially covers medical expenses if an uninsured boater injures you or any of your passengers. Without this policy, you could be left to sue or pay out of pocket for these expenses. The policy also covers lost wages if you’re unable to work after an accident. Additionally, you may be able to receive compensation for pain and suffering or cover funeral expenses if the accident results in a fatality.
The Importance of Uninsured Boater Insurance
While boating is often safe, accidents can still occur. Many of these accidents involve boaters without insurance, leaving them without the necessary coverage to protect themselves or you. Boating accidents can lead to unexpected expenses that you may need to pay out of pocket, potentially becoming a financial burden.
Should You Get Uninsured Boater Insurance?
While not mandatory, uninsured boater insurance is highly recommended for anyone who travels by boat, whether for work or leisure. In areas with a high number of boaters, it’s often advised to get it, as you won’t know if someone is uninsured until an accident happens. Contact our offices in South Carolina. Our C & H Insurance Associates LLC team can help you find the perfect policy.
