Taking your Jet Ski or personal watercraft out for a spin is a patented summer pastime. But regardless of how many times you may have taken your vehicle out on the water or how skilled you may be as a pilot, you still need to consider the possibility of something going wrong. Accidents on Jet Skis and personal watercraft can lead to dire financial consequences, as you might face lawsuits or have to pay to repair or replace your vessel. At Gerhart, Hartman & Ritner, Ltd., we can help you find the right insurance coverage. 
How Can I Insure My Vehicle?
Jet Skis and other personal watercraft can typically be covered under a standard boat insurance policy. This type of coverage can be tailored to suit the needs of various nautical vehicles. A qualified insurance professional can help you assess your vessel, determine your coverage needs and procure suitable coverage.
Why Is Insurance Important?
Although Pennsylvania law does not require you to insure your Jet Ski or personal watercraft, coverage should still be a top priority. Without a suitable policy, you could face extensive financial consequences. Additionally, if you’ve financed your watercraft, your lender may require you to have insurance until you’ve paid it off.
What Should My Policy Cover?
Your boat insurance policy may consist of various financial protections. In many cases, you might want to invest in the following:
- Third-party liability coverage can help pay for losses arising from other parties’ bodily injuries or property damage, such as if you collide with a swimmer or another vessel.
- Physical damage coverage can help manage repair and replacement costs if your Jet Ski or personal watercraft is stolen or damaged in a crash, fire or by severe weather.
- Medical payments coverage may assist with health care costs if you or your passengers are injured while on your vessel, regardless of fault.
- Uninsured/underinsured watercraft coverage can compensate you for your losses if someone else is at fault but is not carrying enough liability insurance to cover them.
We’re Here to Help
Contact Gerhart, Hartman & Ritner, Ltd. in Boyertown, PA today to discuss your coverage needs or find the right coverage.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.