Is Boat Insurance Applicable to Accidents When Transporting a Boat to and From the Water?

Transporting a boat to and from the water is inherently risky. Even if you do everything right, there’s a chance another driver will collide with your trailer or vehicle. This is your guide to insurance when transporting a boat in or near Littleton, CO, courtesy of the professionals at Front Range Insurance Services.

Accidents When Hauling a Boat

There is a common misconception that boating accidents primarily occur on the water. Plenty of boats are damaged on dry land when being transported to and from the water. If the boat itself is damaged in transport, boat insurance is applicable. There is also a chance that auto insurance will be applicable if the vehicle and/or trailer are damaged. 

Boat Coverage

The typical boat insurance policy has coverage that applies to the boat itself. Any physical damage to the vessel is covered. The coverage is applicable regardless of whether the boat is in the water or on the road. What matters most is that the boat insurance policy has sufficient coverage. Set the right limits for your boat insurance policy and you’ll transport your boat with peace of mind.

The Issue of Fault

If it is determined that you are at fault for the accident, there’s a chance the boat insurance policy won’t provide compensation to offset the entire cost of damages. Some policies contain clauses that reduce or eliminate coverage if policyholder negligence is the cause of the damage.

However, in most cases, the insurance is applicable regardless of fault. The only caveat is that filing a claim after a boat is damaged might increase the monthly insurance premiums.

Sweat the Small Stuff for Trailer information

Take a close look at your boat insurance today. Read through the small print and you’ll move forward knowing whether your trailer is included in the coverage. In some cases, it is only the boat and not the trailer that is covered by the policy. Be mindful of this potential scenario and move forward with the help of Front Range Insurance Services.

Connect With Front Range Insurance Services Today

Serving Littleton, CO, our insurance team offers affordable rates and expansive coverage. Contact us today to get your quote.