Boat/Watercraft Insurance In North Dakota
Boats and watercraft are not required to have liability or property insurance in North Dakota, but that does not mean you should overlook it and get out on the water. The simple fact is that boating and watercraft accidents occur and if you do not have insurance, you will be completely exposed financially to cover all the costs of one if you are at fault. This means you are risking everything you have worked hard for in your life by not having a strategy to cover the cost of an accident and protect yourself financially.
Cost of Accidents
The United States Coast Guard reports that there are thousands of boating and watercraft accidents each year which results in hundreds of deaths and thousands of injuries. The costs of settling lawsuits can easily reach into six figures or more to cover property damage, medical bills, and loss of life. A day of fun can quickly turn into a lifetime of regret if you are not properly covered. You need to call Bold Insurance Services LLC to get the coverage you need to protect yourself against financial losses.
Types of Coverage
The type of coverage you need in North Dakota is comparable to what you have with your auto insurance policy. A boating/watercraft policy should cover:
- Bodily Injuries
- Property Damage (for damage to other boats and watercraft)
You should also consider adding riders to your policy in case you are hit by an uninsured boater. The type of riders to add-on include:
- Uninsured Bodily Injury
- Property Damage (to your boat)
- Persona Effects Replacement
- Towing (while on the water)
A representative from Bold Insurance Services LLC can go over all the details about the coverage and the amounts you should have to properly protect yourself. Call us today so you can enjoy being on the water tomorrow knowing you are financially protected in case of an accident.