Do I Need Boat Insurance
If you are planning on purchasing a powerboat or a sailboat in the coming months, thereâs a good chance that you are looking into boat insurance as well. If this is the case, you likely have some questions about boat insurance companies and whether you need additional coverage. Well, you came to the right place! In this article, you will find answers the top 9 most frequently asked questions about boat insurance.
What Is The Proof Of Online Tennessee Boat Ed Course Completion
Once you pass and pay for the online course, you will be able to immediately print out the Temporary Boater Education Certificate. This is your proof of online course completion. You can print the Temporary Boater Education Certificate right then, and/or request that a PDF be emailed to you. This certificate EXPIRES 60 days after course completion.
Myth: Home Insurance Covers My Boat
Part of this myth is true if you own a small non-motor boat. Home insurance offers limited coverage for small boats like canoes when they are stored in your home. Large watercraft like yachts cannot be covered under home insurance. You will need to buy a separate boat insurance policy to provide adequate coverage.
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Requirements For Boater Registration In Alabama
There are several requirements to register a boat in Alabama and all must be met before the boat is used. If you are wondering what you need to complete the registration, note that the process is simple and requires minimal paperwork. You may obtain instructions on how to complete your boat registration at your local county Judge of Probate or your License Commissioners office.
You may also obtain an AL boat registration form at the Marine Patrol Division office in Montgomery. The application must include a bill of sale, previous registration, and proof of sales tax payment. If you have not yet paid sales tax, you must register at your License Commissioners or Judge of Probates office.
Compare Insurance Quotes With Choice Insurance Agency Llc
Choice Insurance Agency LLC is an independent insurance agency, your one-stop shop for insurance needs in the state of Tennessee. Our office provides numerous types of insurance across a wide swath of categories. In fact, most Tennesseans can get absolutely all the coverage they need through us. We write these types of policies in Tennessee:
- Surety Bond
- Insurance for International Driver’s License Holders
- Home insurance
- Umbrella coverage
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Insurance Limitations For Boats And Pwcs
When it comes to boat insurance, Progressive boasts some of the broadest acceptability in the business. But there are some types of vessels that cant be added to a new or existing Progressive policy:
- Boats over 10 years old and worth more than $500,000
- Boats 11-20 years old and worth more than $250,000
- Boats more than 20 years old and worth more than $60,000
- Boats used as a primary residence
- Houseboats that do not have motors
- Homemade boats without a hull identification number
- Boats with more than two owners
- Boats with steel or wood hulls
- All amphibious land boats, hovercraft, or airboats
- PWCs worth more than $27,000
- Boats that do not meet published U.S. Coast Guard standards
We also cannot insure boats over 50 feet in length. In some hurricane-prone states, the limits can be 35 feet and $175,000 in value.
Replacing Your Alabama Boat Registration
If you are wondering how to get a boat registration replacement due to your original document being lost, stolen or destroyed, complete the Application for Boat Registration, Transfer and Replacement. You cannot replace a boat registration online rather, you must file it with your probate judge or license commissioner. A replacement costs $3, plus a $2 issuance fee.
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Ask For A Boat Insurance Proposal Today
An agent from Legacy Insurance Advisers will assess your coverage needs and wade through the many options available, presenting you with the best for your needs and budget.
Boat insurance covers a wide range of boats from personal watercraft to sailboats, fishing vessels to drift boats, no specialized policy needed! Ask your Legacy Insurance Advisers agent about a proposal!
Looking for Motorcycle Insurance? We sell that too!
Legacy Insurance Advisers works hard to ensure youre covered on the water and that your coverage needs are met. Give us a call today at 423-373-6500 to start a proposal. When shopping for boat insurance in Tennessee, there are some things you should keep in mind.
More coverage is available. An agent from Legacy Insurance Advisers will go over all coverages with you, so you can make an informed decision about what coverages are right for you.
Commercial Marine Insurance Coverage Options
We know that people who enjoy the ocean can have a multitude of different watercrafts. We can give you plans for:
- Recreational boats
- Oil Barges
We also go as far as insuring boat factories and entire marinas! If youve had trouble getting maritime-related coverage in the past, the JMG Insurance Agency can probably help you. Our agents are available around the clock to make sure that we can help you whenever you need it.
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What States Require Boat Insurance
As of right now, only two states have boat insurance lawsâArkansas and Utah. In Arkansas, all motorboats powered by engines of more than 50 horsepower, and all PWC, must be covered by a liability insurance policy. The policy must provide at least $50,000 of liability coverage, and it is illegal to operate the PWC without the required insurance.
In Utah, all motorboats and PWC are required to carry ownerâs or operatorâs liability insurance when operated on Utah waters. Motorboats equipped with engines less than 50 horsepower and airboats are exempt. It is illegal to operate a PWC on Utah waters without the required insurance.
Utahâs boat insurance policy requires the following minimum coverage limits per occurrence:
- $25,000 for bodily injury per person.
- $50,000 for total bodily injury if multiple people are hurt in the accident.
- $15,000 for property damage.
There are some instances of states requiring insurance for boats used in some state parks or kept in some state-operated marinasâcheck with your state marine board or alternative governing agency to see if you are impacted.
How Old Do You Have To Be To Rent A Boat In Tennessee
Those 12 years old or older operating alone must have a Boater Education Certificate issued by the TWRA. Those under 16 years of age may not rent a PWC. Tennessee law enforcement officers patrol the waterways to make your boating experience safe and pleasant. Cooperate with them by following the laws and guidelines.
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Who Is Liable For Your Boat Accident
Liability always depends on the circumstances of the accident and is proven by evidence.
However, the responsibility will usually rest with the person or company who owns or was operating the boat. If youre a passenger on a boat thats owned by a company or by a person you know, the owner is generally liable for injuries unless your actions caused you to be injured.
There are a few scenarios, though, where other third parties may be liable.
One is if the boat had mechanical or structural damages that caused the injury, in which case you might have a claim against the boats manufacturer as a product liability lawsuit.
Another is if youre an employee whos injured while working on a boat. In that instance, youd most likely file a workers compensation claim against your employers insurance company.
As you can see, there may be several factors involved, and its difficult to know for sure who should be responsible. A Tennessee boat accident lawyer is the best person to help you make that determination. A complex legal argument isnt something you probably want to tackle on your own. A Tennessee lawyer can work with you to ensure that you identify the correct defendants, accurately estimate the costs related to your injury, and can provide the proper evidence in order to prove your argument.
Need legal help? You can use the Enjuris attorney directory to get started finding a Tennessee boat accident attorney near you.
Tennessee Boat Registration Fees
If you are wondering about registration costs, you should know that boat registration fees in Tennessee are statewide, and do not vary by county. Boat registration costs in Tennessee are as follows:
- Vessels 16 and under: $13 $24 $35
- Vessels 16 to less than 20: $25 $48 $71
- Vessels 26 to less than 40: $38 $72 $107
- Vessels 40 or longer: $51 $97 $142
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Wreckage Removal & Fuel Spill
Wreckage removal and fuel spill coverages are automatically included in every Progressive boat insurance policy. If your boat sinks or youre responsible for a fuel spill, we cover the bills all the way up to your policys property damage liability limits. We only remove your sunken boat if its legally required.
Example: Your old boat sinks while docked. The Coast Guard may require you to remove the wreckage and address any fuel spills. Just contact us to file the claim, and we cover the costs.
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How Does Boat Insurance Work
Boat insurance works the same way as car insurance does. If you damage your boat or cause injuries or damages to someone else, you file a claim with your insurer asking them to pay for the damages. If the incident is covered, your insurer pays for the losses or injuries up to your coverage limits.
Important note: One of the biggest myths about boat insurance is that you dont need it because you’re adequately covered under your home insurance policy. While your home’s policy may provide some protection for a smaller boat while it’s on your property, it won’t offer the coverage you need on the water especially if you’re operating a powerboat.
Its A Great Way To Protect Your Toys
Its no secret that a boat is expensive, but if youre into water sports like fishing, skiing, or wakeboarding, then its likely that youve invested some hard-earned cash in water-related toys and accessories. If youre interested in roadside assistance and coverage for your boat-related equipment, speak to an insurance agent to learn more about additional insurance coverage items.
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Finding The Best Boat Insurance For Your Needs
Finding the best rates on insurance is perhaps your most important goal, but you want to consider all of the factors as you compare insurance rates. As boat is property, you may also want to consider title insurance, depending on your boat. Just as with other types, title insurance in PA and other states can vary widely, so its wise to scrutinize it as you would other types of insurance. To get the best rates for your boat, consider these factors:
- Deductible. If you have a higher deductible, your premium will be more cost-effective. This is true for insurance of all types.
- Liability limit. Your cost will be higher on liability insurance with a higher liability limit. A lower liability limit equals lower cost.
- Being a good driver. Your agent will check both your driving and boating records. If both are sterling, youll be offered a lower rate.
- Safety certifications. If youve passed a boat safety training course, youll likely be offered a lower rate.
Tennessee Personal Flotation Device Laws
A personal flotation device can save a life. These are the PFD requirements in Tennessee:
- A child 12 years old or younger is required to wear a Coast Guard-approved PFD on the open deck of any recreational boat that is not anchored, moored, or aground.
- Each person should have a wearable device thats appropriate for their size on any vessel, including a rowboat, sailboat, canoe, raft, or motorboat.
- Each device must be accessible and easy to reach in an emergency.
- Each device must have a Coast Guard approval stamp and number.
- Each device must be in good condition and the correct size for the wearer.
- Each boat must have 1 wearable PFD for each person on board or being towed, and a boat 16 feet or longer must have a throwable PFD.
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Do I Have To Take An Online Exam
The Certification Exam is the exam you take at the end of the online course. You must score at least 80% on the exam to pass. You have unlimited attempts to pass the exam. If you dont complete the exam in one session, dont worry. When you log in later, you will be taken to the first unanswered question of the exam.
Boating Under The Influence
It is unlawful to operate any sail or powered vessel while under the influence of intoxicants or drugs. Here are some important facts to consider.
All persons operating a sail or powered vessel have given their implied consent to chemical tests to determine the alcohol or drug content of their blood. Failure to consent to testing is a separate offense and may result in suspension of vessel operating privileges for six months.
Presumption of Guilt
A vessel operator whose BAC tests show .08% or greater by weight, of alcohol shall constitute a violation of this statute and is presumed under the influence and his or her ability to operate a vessel is impaired.
Blood-Alcohol Test Required
Blood-alcohol content may be taken from all operators involved in an accident where death or serious injury occurred.
Conviction for operating under the influence will result in fines of up to $2,500 on the first offense, $2,500 on the second offense and $5,000 for the third offense. A jail sentence of 11 months and 29 days may also be imposed for any conviction and operating privileges may be suspended from one to ten years. Additional federal penalties may also be charged.
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Hedge Your Bets And Prepare For The Unexpected
Boat insurance covers surprising things like fire, fuel spill damages, and cleanup costs both in the water and on land. Have you ever thought of a non-contact boating accident? No? Well, your insurance has. In the event that your boats wake causes damage to another watercraft or capsizes another boat, then you would be responsible and could be held liable for damages. Dont be caught off-guard, take out a boat insurance policy.
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What Does Boat Insurance Not Cover
Boat insurance generally won’t cover maintenance or general wear and tear, including gradual weathering and deterioration, insect damage, mold, or damage from animals or marine life.
With Sign & Glide® On-Water Towing, Progressive will pay for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat is disabled on the water. or contact our dispatch center by calling , and we’ll make sure the tow operator is completely paid for and on their way to help.
Acceptable Flotation Devices Must Meet The Following Conditions:
- They must bear the Coast Guard approved label
- They must be in good and serviceable condition
- They must be an appropriate size for the person who intends to wear it
- Wearable PFDs must be readily accessible
- Throwable devices must be immediately available for use.
If someone falls overboard, follow these procedures:
- Toss a life-saving device even if the person can swim. A life ring is the preferred device. It can be thrown farther and is easier to hang on to. However, use whatever device is nearest. Time is essential.
- Slow the boat, keeping the person in view. Other persons onboard should act as look outs. At night, direct the best possible lights on the victim.
- Try to approach the person from downwind or into the waves. Always use common sense and good judgment. Consider existing condition and ability of the victim and what other help is available. If someone aboard is capable, have the person put on a life-saving device with a line attached to the boat and enter the water to assist the person.
- Always stop the motor when someone is going over the side, or coming aboard.
- Assist the person in boarding the boat. It is difficult to climb into a boat from the water. The person may be hurt or cold and may require help.
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