Several boating accidents in the Niles, OH region occur as a result of hitting underwater rocks. These obstacles can be quite hard to spot. Therefore, collisions may still occur even with careful navigation. The impact of a rock can cause significant damage. However, the upside is that such an accident could be covered if you possess the appropriate insurance.

When Is It Covered?

An insurance policy covering property on a boat typically provides coverage against accidents that involve rocks. If the collision results in relatively minor damage, your ability to file a claim could depend on your deductible. Depending on the extent of the damage, your insurance might cover the cost of repairs or even replacement of your boat. Taking photos and thoroughly documenting the accident for potential claims is advisable.

What’s Not Covered?

Damage incurred from hitting a rock will not be covered if you only have liability insurance. This form of coverage typically takes care of damages caused to other people’s property, like a boat or dock. It can also provide protection against a lawsuit in case you unintentionally injure someone, like a swimmer or another boater, while boating.

Is Towing Covered?

If your boat suffers significant damage due to a collision with a large rock, it might need to be towed on the water to a marina or a repair shop. The coverage for this service is dependent on your specific insurance carrier and policy provisions. Some policies include towing, while others offer it as an optional extra.

Ruddy Insurance Group offers reliable boat insurance in the Niles, OH region. Our cordial staff is always ready to assist with your queries and help you choose a policy that includes coverage for rock accidents. As an independent agency, we provide varied coverage options from various carriers. For more information or to get a quote today, please call 330-652-0202 to get in touch with the Ruddy Insurance Group.