If you want to keep cherishing the good memories in the water with your boat, you have to think about boat insurance. Boat insurance from Asato Insurance LLC not only gives you peace of mind but it protects your finances when the unexpected occurs. Need watercraft insurance in Utah? Keep reading for more insights.
Is boat insurance required in Utah?
Unlike many states, you must invest in boat insurance to operate your boat legally in Utah waters. The law requires you to invest in bodily injury and property damage liability claims. Liability coverage protects you when you are at fault for an accident. However, boats with less than 50 horsepower are exempted from the minimum insurance requirements.
To ensure that you carry the legally required insurance, you must carry proof of insurance whenever using your boat. For non-Utah residents, boating in Utah waters must also comply with the minimum insurance requirements.
Optional boat insurance options
While meeting the state-required minimums is superb, the coverages are insufficient for your needs. As such, you need to stick your neck out for other coverages. These include:
- Collision coverage: While boat accidents aren’t as common as car accidents, they still occur. And when they do, you want to make sure your precious asset is covered. Invest in collision coverage to protect your boat when it collides with other boats or stationary objects.
- Comprehensive coverage: Your boat is not off the hook when outside the water. Perils like theft, vandalism, fire, and others are still at large even when your boat is parked. Invest in comprehensive coverage to protect your boat against such perils.
- Medical payments: This coverage covers medical expenses for you and your passengers after a boating accident.
- Uninsured watercraft coverage: When a boater with no insurance strikes you, this coverage can come to your rescue by covering medical expenses.
Need boat insurance in Utah? You are on the right track. All you need now is to contact Asato Insurance LLC for an affordable quote.