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boats docked togetherBoat owners often think about all of the good things that happen every time they step foot in their boat and plan a trip. Whether it is across the lake or into the ocean, there’s no doubt a sense of freedom present. As today’s owners consider these types of experiences, it is also important to consider the type and amount of boat insurance you may have in place. Insurance can safeguard your financials. Without it, you may be facing a sizable amount of debt when an accident occurs. But your boat insurance isn’t just about protecting your vehicle –it also has to protect your passengers.

When an Accident Occurs

There are many risks on a boat. Someone may lose their footing, slip and hit their head. Someone may fall overboard. In other cases, too much alcohol could lead to a more serious injury. When something like this happens, it can lead to negligence claims. Even if it is just your friends and family that are on the boat with you, you’ll benefit from a comprehensive liability insurance plan. That plan can help to cover many of the losses you face in a situation like this.

Boat insurance provides liability protection for many of the risks your passengers’ experience. For example, it can help to cover their medical bills. It can help to cover emergency room trips and even transport to the hospital if they need it. That alone can be very expensive if it is far from home. Add to this long term care needs and pain and suffering, and you could be paying a sizable amount of money out of pocket if you do not have liability insurance in place. The good news is most basic boat insurance plans do offer it. You may want to consider increasing the amount you have when the risks are higher, though.

Medical expenses from boat related injuries and accidents add up quickly when more than one person is involved. Even though you may think your boat is safe, these risks are present even on large, commercial liners. For these reasons, invest in a quality boat insurance plan that offers ample liability protection. It can help to safeguard your boat as well as your personal finances in situations where there is a significant accident.

Protect your vessel and passengers. Call Voyager Insurance Services at (800) 342-4444 for more information on Dallas boat insurance.

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