Boaters know how closely weather conditions affect their time on the water. When the weather is right in Bethlehem, PA, many boat owners head straight for the Lehigh or Delaware River. The last thing you want to think about is what happens if you are involved in a boating accident. You are out there to relax, not worry. That is why it is important to ensure your boat insurance is in place before you launch.

Saucon Insurance Agency can help you review your current policy to understand exactly what protections you have.

What Happens When Something Goes Wrong on the Water

Pennsylvania applies standard negligence rules to boating, similar to those on the road. Operators must act with reasonable care toward passengers, swimmers, and others on the water. If someone is injured or you cause a collision, you may be responsible for:

• Medical bills
• Lost wages
• Property damage

Your responsibilities do not end with collisions. If your boat sinks or is badly damaged, you may be required to clean up leaked fuel or oil. Environmental cleanup can be expensive, and most boat owners prefer not to pay these costs out of pocket.

Pennsylvania Law Does Not Require Boat Insurance, But Many Places Do

Even though Pennsylvania does not legally require boat insurance, many marinas in the Bethlehem, PA area will not allow you to dock without proof of liability coverage. If your boat is financed, your lender will likely require full coverage.

Legal requirements aside, going without boat insurance can be risky. A single mistake on the water can lead to significant financial consequences.

The More Activities You Enjoy, the Higher the Risk

Recreational activities such as tubing, water skiing, and wakeboarding can increase your liability exposure. If a guest is injured while participating in these activities, you may be responsible for their medical costs.

Even minor accidents, such as a wave knocking someone off balance, can result in an injury claim. The Pennsylvania Fish and Boat Commission tracks incidents, and the state’s statute of limitations for personal injury claims is 2 years.

Understand Your Policy With Help From the Pros

When you are enjoying time on the water, insurance is the last thing on your mind. Still, it is important to understand your policy before something goes wrong. If you already have boat insurance, Saucon Insurance Agency can review your coverage to ensure you are fully protected. Call today for assistance and peace of mind as you prepare for the season.