In Florida, boat insurance is not required by law. As a result, many people take their boats out on the water without coverage, exposing themselves to significant risks. To illustrate, Miami-Dade County alone has over 74,622 registered boats, many of which sail regularly.
You might assume your current insurance policy provides full protection. But what happens if another boater causes an accident and doesn’t have insurance?
This is where uninsured boater insurance comes into play. This coverage helps pay for medical expenses for you and your passengers if you’re injured by a boater who is uninsured, underinsured, or leaves the scene of the accident.
Additionally, this policy covers property damage to your boat if an uninsured boater is responsible for the accident. This includes repair and replacement costs.
Why You Need Uninsured Boater Coverage
Beyond medical and property protection, uninsured boater insurance can also cover legal expenses if you need to file a lawsuit after an accident.
Before purchasing this coverage, consider:
✔ The value of your boat
✔ The estimated cost of repairs after an accident
✔ The financial impact of medical bills or lost wages
By assessing these factors, you can determine the right amount of coverage for your situation.
Protect Your Boat with the Right Coverage
If you want complete protection for your vessel, talk to the specialists at Univista Insurance. Our team will guide you through the best boat insurance policies and help you prepare for any unexpected incidents on the water.
📞 Contact Univista Insurance today!
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