It is important for boat owners in and around Proctorville, OH to have insurance coverage, to protect you and your family in case of an accident. It could cause you a lot of financial damage to suddenly be liable for all the expenses if someone were hurt, or property was damaged, by your boat. But at Jeff Hutchison Insurance Services we think it is also important to understand what your policy covers, so there will be no surprises. You can enjoy your time fishing, skiing or just relaxing on your boat when you know that you are protected.
Whether your insurance is part of your homeowners insurance or is a separate policy, the most important thing to do first is read your contract. Make sure you are comfortable with the coverage specified, including the policy limits and deductible. If you have any questions, talk to your insurance agent. Boat insurance is relatively inexpensive, but provides protection you may need.
Your policy should cover you, your family, and any other passengers in case of an accident, and even includes someone who is skiing behind your boat. This includes medical payments and other necessary expenses. As with regular auto insurance, those other expenses can include time off from work, crutches, and medication. Victims should be able to receive compensation under your policy even if you weren’t at fault.
You may also be liable for the injuries of someone who is injured in another boat, when there is a collision. These are the kind of situations where you will need to work with your agent to make sure you have enough coverage. You may have to pay for anything that exceeds your policy limits. If you are in Proctorville, OH and want to know your options, call Jeff Hutchison Insurance Services today.