Boating, Drinking and Insurance Coverage

The purpose of boating insurance is very similar to car insurance. It provide coverage and financial recovery when the vehicle is damaged, stolen, or involved in causing damage to people or someone else’s property. Policies consider all types of contingencies, even disasters and unforeseen circumstances. However, one thing that insurance policies don’t typically pay for is damage caused when someone breaks a law.

Drinking alcohol has long been a favorite pastime when boating. Being on the water seems to be equated immediately with recreation and having fun. However, a boat is a licensed vehicle, regardless of being on the water instead of a road. And enough laws and restrictions have been passed in most states, making it clear that getting into a boating accident when drunk opens a person up to both criminal and civil actions. When a boating accident does occur and local authorities determine that driving the boat under the influence was a contributing factor, and insurer is eventually going to get a copy of the police and accident report.

Most insurance policies for boating, just like those for operating a car, have language in them preventing coverage when someone is the cause of damage due to a misdemeanor or felony. And the courts are very clear and unsympathetic in most states: ignorance of the law is no excuse for breaking it. The problem is, no one thinks about these complications when already on a boating trip for the day or weekend. Then the drinking starts and a problem occurs. Boaters are doing themselves a big favor taking the time to understand liabilities and exceptions to coverage before getting on the water. If in the Chester, NJ area, stop in with the Insurance Outfit. Their agents can point out exactly what happens with boat coverage versus a law violation in clear English.