Sunday, March 17, 2024

Is Boat Insurance Required In Sc

How Old Do You Have To Be To Operate A Boat In Ga

Water safety and boats in South Carolina

The minimum boating license age in Georgia is 12 yearsof age to operate any water vessel. Boaters who are 12 to 15 years of age must complete boating classes to be able to operate any water vessel and are only permitted to drive boats that are less than 16 feet in length and have less than 30 horsepower under the supervision of a qualified adult.

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Get Legal Help After A Boating Accident

If someone is hurt in a boating accident, your first priority is always safety and medical attention. After everyone’s injuries are addressed, the next step is often getting answers to legal questions. Whether or not you have insurance, a personal injury attorney can help make sure that you dont say or sign anything that hurts your chances of recovering fair compensation for medical bills, rehabilitation costs, lost wages, and all the other harm caused at the hands of a negligent boat operator.

If you have questions about a boating accident that you believe was the result of negligence, please call Kenneth Berger for a free case consultation at 803-790-2800, or you can start a live chat with our team 24/7. We will guide you through the insurance process while also treating you like a member of our own family.

The Cost Of Boating Accidents

Take a look at some statistics from the Coast Guard for 2019 about boating accidents:

  • 4,168 accidents involving recreational boats resulted in $55 million in property damage.
  • 556 deaths and more than 2,559 injuries were due to boating accidents.
  • 70% of boating deaths were drownings.
  • 33% of deaths occurred when the driver had no boater safety instruction.
  • Open motorboats were listed in 47% of all boating accidents.
  • Alcohol was deemed the leading factor in fatal boating accidents.

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What Are The Fishing Crabbing And Shrimping Laws In South Carolina

These laws are numerous. Check with the Department of Natural Resources before engaging in these activities if you are unfamiliar with the laws. There are limits on size and number per day for many species. Also, make sure that every person on the boat is properly licensed for the activity. Even if you have a passenger on the boat who is not actually fishing, that person should still have a license. It is important to know that violations of our fishing and gaming laws are much more serious than people believe. Jail and stiff fines are possible. Also, many types of violations allow the authorities to confiscate your boat! Also, note that it is illegal to harass or disturb wildlife with your boat unless you are lawfully fishing , hunting, or trapping wildlife. The city has eaten up enough of our land. Please leave the marine wildlife alone!

Things To Consider And Questions To Ask Your Agent

SC Boat Insurance Greenville

Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What’s the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • Bodily Injury

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Home Insurance And Your Boat

One of the biggest reasons people might not purchase boat insurance is the misunderstanding that boats are covered under their home insurance policy.

While your home insurance policy may provide very limited coverage to smaller boats on your property, the general rule of thumb is most large items that have their own specific type of insurance available to them can only be covered by that specific insurance. So, if you have a boat, your best bet is to have it insured with boat insurance.

Boat Owners Must Carefully Review Their Policy Terms To Determine Not Only What Is Covered

And what is not, but also to learn of what obligations and conditions there are for payment, explains Colin Probyn, account executive with the Theodore Tunick & Co., in St. Thomas, U.S. Virgin Islands. For example, insurers require immediate notice that contains details that will assist them in investigating a loss. These details include items such as the insureds name, yacht involved, time and place of loss, where the boat may be inspected and any witness information. Failure to give notice to the insurer within the time specified in the policy may be fatal to the claim in the event that the delay is considered prejudicial to the insurer.

Probyn continues, Protection and Indemnity policies are issued to insure owners against risks outside the scope of coverage under standard hull policies. The P& I policy covers a wide range of possible claims including physical injuries or property damage sustained by others, expenses resulting from the rescue of the insured or passengers, removal or destruction of the wreck or debris of the insured vessel. In addition, pollution expense coverage will be found in the P& I portion of the marine policy.

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What Is Boat Insurance

If youre ready to live a sea- faring dream, you might be interested in boat insurance. Buying a boat can be a huge investment thats largely rewarding all around. However, owning a boat requires a lot of upkeep, an up-to-date knowledge of your local boating laws, and the ability to protect yourself and your vessel if worst comes to worst. So, heres a guide to getting the best boating insurance to stay safe off the shore.

South Carolina Boating License Requirements

5 Things to Know about Boat Insurance

In South Carolina, boating license applicant age is an important factor in determining eligibility for obtaining driving privileges. Only residents 16 years of age and older can apply for licenses if they wish to operate watercraft in the state. Residents younger than 16 years of age cannot operate boats or personal watercraft.

Education courses must be approved by the South Carolina Department of Natural Resources to be considered valid. This certification ensures that education courses cover the proper material that new boaters should learn.

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South Carolina Boating Age Requirements


  • May operate any boat, including a personal watercraft without restrictions so long as the motor is less than 15 horsepower.
  • May operate a boat of 15 horsepower or more, including a PWC, so long as:
  • They are supervised by a person who is 18 years of age or older who is not under the influence of alcohol and/or drugs or
  • They have successfully completed a Boating Safety Course approved by the South Carolina DNR.


Boat operators in South Carolina who are 16 years of age or older may operate a motorized boat without restrictions or supervision requirements.

Find What You Should Be Paying For Coverage

Our independent agents shop around to find you the best coverage.

If having fun on the water appeals to you, then you might find yourself in the market to buy a boat. You could purchase a boat for fishing, speed boating or sailing, or a pontoon to float around casually. Just as you insure your car and your home, it’s a good idea to get adequate insurance coverage for your boat.

As you research your options for boat insurance, you might have some questions about the cost, what kind of coverage you should purchase, and what insurance company carries the best policies for your dollar.

An independent insurance agent can help answer your insurance questions and get you on the right track for saving on your boat policy. Contact an independent agent today to get started.

Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

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What Does Boat Insurance Cover

The answer to this question depends largely on what you want out of your insurance plan. Be sure to contact your insurance agent if you have any questions. Theyll be happy to help you find a policy that covers all of your needs. What you shouldnt do, however, is assume that your pontoon boat is always covered without contacting your agent first.

Here are some things to consider when finalizing your insurance policy:

Top Insurance Companies That Support Independent Agents In South Carolina

Can You Get Your Boating License Online?

There are currently 315 independent insurance agents in South Carolina who are ready to help. These independent agents can work with several different insurers and can give you multiple policy options to choose from. That way, youll receive completely customized coverage that addresses all of your specific coverage needs.

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Insurance Is Available During Hurricane Season For Yachts That Stay In The Caribbean

However, says Tunicks Probyn, Generally a hurricane plan needs to be produced by the owner. In some cases discounts are available for vessels that are laid up.

Words to look for in the policy related to coverage during hurricanes or named storms, says Offshore Risks Coates, are The Box and Season. The Box refers to the longitude and latitude considered to be in an area at high risk for a named windstorm. Many insurers use the following coordinates: North of 12 degrees 40 minutes North, West of 55 degrees West, South of 35 degrees North, and West of 110 degrees West. Season refers typically to the end of June or beginning of July through beginning or end of November, depending on the individual policy.

Rules When Boating In South Carolina Waters

You have to observe these rules or you can be penalized and held criminally liable. Many of these rules are actually common sense that a rational person would do in certain circumstances. Here are some of the rules you have to observe.

  • Maintain a safe and proper speed to prevent accidents or collisions.
  • Avoid obstructing access to public areas or facilities on the pier or on board.
  • When you are within 100 yards of the Atlantic Ocean coastline, dont move in excess of idle speed.
  • When you are within 50 feet from a structure , or a person, dont move in excess of idle speed.
  • When another vessel puts up a red flag with diagonal stripes, it indicates the diver down flag, so dont go within 50 feet from it. In instances that you have to pass, you can only do so at no-wake speed and stay as far away as you can.
  • When the Coast Guard or any law enforcement officer signals you to stop, you must do so and allow them to board.
  • In instances when two vessels are crossing paths, you have to yield if you have the other vessel in your starboard .
  • Never exceed the boats limitations with regards to the boats capacity for the number of people and proper weight. Take note to indicate these values in the hull of the boat.
  • Never allow someone unauthorized or unlicensed to drive your boat.
  • Dont drink or take in other substances of abuse, such as recreational drugs or other intoxicants, while operating the boat.
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    Faqs About Boat Insurance

    Am I required to buy boat insurance?

    If by required you mean whether youre legally obligated to have boat insurance, then itll depend on the state. Currently, only three statesArkansas, Utah, and Hawaii required boaters to have boat insurance. However, regardless of whether or not it is mandatory, every boat owner should get one, especially considering the many navigational hazards you can encounter on the water.

    Is my boat covered by my homeowner’s insurance?

    Sometimes homeowners insurance policies include boat protection. Nonetheless, these policies often offer limited protection for your boat and treat it as any other personal property. Most likely it wont offer the same specialized protection that a boat insurance policy provides.

    Does boat insurance cover accidents outside of the water?

    This will depend on the type of boat insurance you have. In most cases, insurers will cover physical damages that your boat or trailer may have experienced as a result of an accident while hauling your boat. However, it probably wont cover liability damages caused to another vehicle or person in an at-fault accident. a

    Are passengers covered by boat insurance?

    In most cases, insurance companies cover passenger injuries if your policy includes collision or medical payments coverage. Make sure to ask your agent before signing on the dotted line.

    So How Much Does Pontoon Boat Insurance Cost

    Carman testifies in boat insurance trial

    If youre reading this article with the expectations of getting a definitive answer to this question then Im afraid youre going to be disappointed. Like most other things money-related, insurance is a complex industry. There are a lot of factors that go into determining how much youll pay to insure your pontoon boat. Adjusters consider a number of things before quoting you, like your boats value, state and municipal laws, and your other insurance policies.

    In this post, Ill explain more about boating insurance and clear up some common misconceptions.

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    Age And Operator Restrictions

    Persons under 12 years of age:

    • May not legally operate a PWC or any vessel 16 feet in length or longer.
    • May legally operate a boat less than 16 feet in length and powered by a motor of 30 horsepower or less only if they are accompanied by a competent adult.

    Persons 12 to 15 years of age:

    • May notlegally operate any vessel 16 feet in length or longer.
    • May legally operate a PWC or vessel less than 16 feet in length if they:
      • Have passed a boating education course approved by the DNR or
      • Are accompanied by a competent adult.

    Persons 16 years of age or older may legally operate any boat or PWC on Georgia state waters if they have a proper identification card, such as a drivers license or any other government-issued identification that contains a description of the person, a photograph, and the date of birth, on board.

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    Boat And Watercraft Insurance In Mount Pleasant South Carolina

    Consult with one of our professional agents at 1st Capital Insurance to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include:

    • Accident forgiveness

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    The Last Word On Boat Insurance

    You may not think boat insurance is a justifiable expense, but youll glad you have it if there comes a time when you use it.

    There are a number of insurance providers out there who specialize in insuring boats and other watercraft, as well as big name companies like State Farm, Allstate, Geico, and Progressive. If you want to learn more, call your insurance agent today and ask them, how much does pontoon boat insurance cost?

    Louisville Kentucky Insurance Specializes In Boat Insurance In Kentucky

    Lexington, SC Boat/Watercraft Insurance Agents

    Boats and personal watercraft are big investments, but if you love being out on the water, you know theyre worth it.

    So protect your fun investment with coverage thats designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.

    Louisville Kentucky Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment.

    The average boat costs less than a dollar a day to insure. Youll enjoy being on the water even more when you arent worried about your safety, the safety of your passengers, or your investment.

    Do you know what to look for in a watercraft insurance policy? Louisville Kentucky Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

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    Yacht Insurance Is Usually Of One Of Two Types: Liability Only And Hull And Machinery

    William Coates, the Cocoa, Florida-based president of Offshore Risk Management, an insurance company with satellite offices in the British Virgin Islands, says, Liability insurance is relatively inexpensive, but it only insures you against the damages you do to another boat. The other type of insurance is hull and machinery . This is more expensive, but it covers damage or loss to your vessel.

    Yacht owners with H& M should ensure that their policy is based on the Institute Yacht Clause , which is the international standard that is accepted coverage for private hulls, says Guardians Dookeran. The IYC clause provides coverage for specific perils at sea, fire, hurricane, earthquake, piracy, etc. It also contains a list of exclusions.

    What Does Boat Insurance Include

    When you purchase boat insurance, standard insurance will typically cover the following:

    • Bodily injury: If someone gets injured while on your boat, this will help cover legal and medical bills associated with the accident.
    • Property damage: This coverage will protect you if you are at fault in an accident that caused damage to another boat or property.
    • Collision: If youre in an accident, this will pay for the cost of repairing or replacing your boat. This coverage is usually optional however, a lender may require you to purchase it if youre leasing.
    • Comprehensive: This coverage will pay for repair costs if your boat gets damaged from something other than a collision this includes floods, storms, fire, theft, and vandalism.
    • Uninsured/underinsured motorists: If an uninsured or underinsured motorist causes damage to you or your boat, this coverage will help protect you.
    • Medical payment coverage: If youre involved in an accident, this coverage will pay for the medical costs regardless of who is at fault. Some policies will even cover funeral expenses.
    There are also additional options you can add to your coverage, such as:
    Keep in mind your insurance should cover all operators.

    Talk to your insurance provider and make sure you have all the appropriate options added to your plan for your specific situation and climate.

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