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Reply With Quoteyou need the insurance for the liability aspect of it.. Hit another boat, run over a skier in the water, you would never pay off the lawsuit with insurance.
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Crappie.com Legend
regardless of your financial status, you just can not afford not to have it......it is just too cheap to not have it.....I hit something underwater in my fiberglass boat and the bill was $2200.....paid in full by insurance.....also, you never want someone to sue you if you do not have insurance....didn't happen to me but I can sleep at night without worrying about it.....
The "King" is coming
This could be the Day....
RETIRED LOUISIANA CRAPPIE HUNTER
Crappie.com 2K Star General
you need the insurance for the liability aspect of it.. Hit another boat, run over a skier in the water, you would never pay off the lawsuit with insurance.
Crappie Wall Hanger
My boat is a 1990 model,I have full coverage on it.I carry Ins.to cover my butt,LIABILITY purposes
Crappie Wall Hanger
take the highest deductible you are comfortable with and keep it on it.
ENOMAN:D
Crappie.com 1K Star General
i don't have boat insurance but have been wanting to check into it........who do yall have coverage with?....my home/auto is USAA but when I did an online quote I somehow ended up on progressive site and they started asking questions I couldn't answer at the time so I didn't get any info
I can only wish to be as good as my dog thinks I am
Crappie.com Legend
The liability is the big issue. Your homeowners won't cover you if you were to have and accident and injure someone. I have a 2000 Tracker that is maybe worth $4000 and I keep insurance to protect us against the unexpected, not the boat itself, but it is nice to know if I hit a stump and sink it I will at least have some coverage.(That is if I'm still around)
It does not even have to be your fault if someone is injured in your boat. If some good for nothing was drunk and plowed into your boat and say killed a friend that was fishing with you, if he was not insured there is a good chance the family, on advice from their lawyer, would sue you. Friendship only goes so far when a death is involved, especially if it put the family in a bad financial situation.
For $125 a year it is just not worth taking the chance.
Mark 1:17 ...I will make you fishers of men
Crappie.com 1K Star General
I have package deal.(home, auto, and boat)
Crappie.com 2K Star General
I guide and have a guide policy. all that I checked into had at least $300,000 liability. so that should tell ya what it might cost ya if ya had a bad event.
