Every year, there are hundreds of boating and watercraft accidents on South Carolina waters, and injuries and fatalities are a part of that. With every accident are the potential liabilities and costs from damages that include property repairs and exorbitant medical expenses.
You are not required to hold boat or watercraft insurance in South Carolina unless your lender asks you to get it. Still, it is a good idea to carry some minimum protections to ensure that you are covered in the event disaster strikes.
At Hill Insurance & Financial Services, we want South Carolina boat and watercraft owners to enjoy their pleasure crafts with peace of mind. We know that your boat and situation are as unique as you are, and we can help you design the best boat/watercraft insurance policy for your needs.
Liability Insurance for Boats/Watercrafts
When you have been in a boat accident or have an accident on your boat, you may be held liable for the damages and costs. When you are held accountable, liability coverage can pay for the repairs and medical expenses of those involved.
Uninsured and Underinsured Boat Coverage
This coverage can protect you if you are in an accident with an uninsured or underinsured boat or watercraft owner. It will protect you financially when accidents are caused by someone else.
Additional Coverage for Your Boat or Watercraft
Liability coverage is a minimum protection in the event of a worst-case scenario. There are several other problems you may run into with your boat that you will want to have insurance for:
- Comprehensive:Insurance that covers your boat in the event of theft, vandalism, fire, or any damage not caused by collision
- Collision:This coverage will cover your expenses and damages in the event of a collision for which you are not held liable
- Towing:When you have an accident in the water or your boat needs a tow, you can claim your boat insurance to cover the costs with this coverage.
- Spill liability: You may have a spill of toxic chemicals such as oil when managing your boat. This coverage will pay for the cleanup and liabilities.
Get a Quote
When you have a boat in South Carolina, you want to be sure you are protected against every loss. At Hill Insurance & Financial Services, we can help you design the best policy for your needs and provide a reliable insurance company. Call us for a quote today.