Boat accidents can result in serious injuries, such as broken bones or head trauma, and may require months of costly therapy. If you own a boat in Bethlehem, PA, you might wonder whether your boat insurance can help cover these expenses.

Liability Coverage

Most boat owners carry at least liability coverage, which can help with medical costs and other damages when the accident is your fault. Liability policies typically cover damages to another person’s property or boat and may include medical coverage for passengers.

Some policies also offer uninsured coverage, which can help pay medical bills for your passengers if you are involved in an accident with another boat whose owner lacks sufficient insurance. However, coverage details vary by company. It is always a good idea to consult an agent at Saucon Insurance Agency to understand your policy before heading out on the water with passengers.

Medical Payments Coverage

Many insurance companies offer additional coverage that you can purchase to cover medical expenses, regardless of who is at fault. This type of coverage is particularly useful in the event of a boating accident for which you are responsible. It can help ensure you are not automatically sued for medical expenses and may even cover funeral costs.

Different companies may refer to this coverage by various names, but most offer it as an optional add-on to your liability policy. Some insurers also offer liability protection insurance, which provides financial protection against lawsuits resulting from injuries or accidents.

At Saucon Insurance Agency, we understand the importance of protecting yourself financially after an accident. Our experienced agents will work with you to ensure you have the right coverage. Contact us today to learn more. We proudly serve the Bethlehem, PA area.