This is the time of year to get out the watercraft and enjoy the summer. Whether you own or rent, jet skis and wave runners are a lot of fun. Remember however that you are operating a potentially dangerous piece of machinery in a hostile environment. To ensure your safety we recommend you follow a few safety tips:

 Wear a U.S.C.G. approved lifejacket. This is not negotiable or debatable. Remember that it floats…you may not.

 Always secure the engine stop lanyard, if provided, around your wrist. Getting run over by your own boat is both painful and silly.

 Keep your head on a swivel. Be constantly aware of boats, watercraft, surf boards, swimmers and other objects around you. Remember you are in a constantly changing environment.

 Jumping the wake of a passing vessel looks like fun…but is you vision obscured by the vessel passing? Is there another vessel on the other side that you can’t see?

 Alcohol use impairs judgment, do not drink and drive under the influence.

 NO BRAKES!! Maintain a safe distance from other vessels and objects.

 Take a safety course. These are usually offered by the U.S. Coast Guard Auxiliary or the local Power Squadron.

These few safety tips will help to insure that when you talk about your experience, it will be about your day on the water and not your day in the hospital.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Non-accident related vehicle damage can occur at any time. It could be malicious, for example the keying of a car resulting in scratched paint or the slashing of tires, or it could be an act of nature like a falling tree branch cracking a windshield. Knowing that things happen beyond your control (and often when you aren’t even in your car) is the first step in preparing for them. The question that is often asked of insurers is “what type of auto insurance covers vandalism and damage to my car?” The answer is comprehensive coverage.

Comprehensive coverage encompasses a wide range of non-accident related vehicle damage sources. This may cover damage from theft, vandalism, natural disasters, damage by animals, and more. Additionally, comprehensive coverage policies may allow for windshield replacement due to a covered cause of loss in some states. When researching non-accident related vehicle damage coverage, you should ask if your state includes windshield replacement under comprehension coverage. It is also good to ask about any specific worries you may have about natural disasters that are more likely to occur in your area such as hurricanes in the Southeast United States.

There are many types of auto insurance coverage to choose from. It is very important to understand the different types of coverage in order to make sure you select the right coverage and are properly protected. The following is a list of the main types of auto insurance coverage available in addition to comprehensive coverage: collision coverage, property damage liability, bodily injury liability, personal injury protection (PIP – available in “no-fault” states), and uninsured/underinsured motorist coverage. There is also ancillary coverage like rental reimbursement and towing and labor.

PoliSeek has extensive information about all of these types of insurance and can help you find the right policy for you. Policies with comprehensive coverage are available. No matter whether you are concerned with vandalism or natural disasters, PoliSeek would like to help you find the right coverage plan, whether it be comprehensive coverage or another policy.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.