Boat accidents, much like car accidents, require cleanup and recovery efforts. However, instead of sweeping glass off the highway and towing away a car, someone must remove the wreckage from the water and tow the damaged boat. Planning for these scenarios before an accident occurs is essential.
Understanding Boat Insurance Coverage
Whether your insurance will cover wreckage removal depends on the type of policy you have and your insurance provider. Each company has different offerings. Some include wreckage removal as part of their standard liability coverage, while others require it to be purchased as an add-on.
Liability Insurance
Most boat owners in Overland Park, KS, opt for standard liability insurance for their vessels. This type of coverage typically includes bodily injury and property damage for a vessel you collide with. In some cases, liability policies may also include wreckage cleanup. To understand the specifics of your policy, consult with a professional at HighPointe Insurance Services LLC.
Physical Damage Coverage
Many boat owners invest in physical damage coverage to protect their property. This type of insurance covers damage to the boat caused by accidents or natural disasters. Some policies may also include wreckage cleanup as part of their standard coverage.
Add-On Coverage Options
Boat owners can purchase additional coverage to ensure they are fully protected in the event of an accident. Common add-ons include:
- Wreckage removal
- Fuel delivery
- On-water towing
- Hurricane towing (relocates your boat to a safer location if a hurricane is approaching and you’re not nearby)
- Fuel spill cleanup
- Mechanical insurance (covers the engine)
At HighPointe Insurance Services LLC, our experts can help you customize a policy to meet your specific needs, ensuring you’re prepared for situations like wreckage cleanup. Contact us today to learn more. We proudly serve the Overland Park, KS area.
