What type of insurance do I need to protect my vessel and myself in the event of a boating accident?

If you own or operate a boat in California, you need to have adequate insurance coverage to cover any potential accidents and their resulting damages. It is important to ensure that your vessel is properly insured so that you and your passengers can be protected in the event of an accident. The most comprehensive boating accident insurance policy you can purchase is a Valued Vessel policy. This type of policy provides coverage for vessel damage, medical payments for you and your passengers, and liability for any third-party claims. It is important to make sure that the policy you purchase contains accident coverage, as some policies do not cover damage from accidents. In addition to a Valued Vessel policy, boaters can purchase uninsured/underinsured boater coverage. This type of policy provides coverage if you are injured or your property is damaged by a boater who does not have insurance or has inadequate coverage. It also provides coverage if you are the victim of a hit-and-run boater or if the other boater is uninsured or underinsured. Finally, you can purchase personal watercraft or boat rental coverage if you use your boat for commercial purposes or rent out your boat. This type of policy provides additional coverage for liability and damage to the boat or personal watercraft being rented. By ensuring that you have adequate and appropriate boat insurance, you can protect your vessel and yourself in the event of an accident.

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What type of insurance do I need to protect my vessel and myself in the event of a boating accident?

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