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Salvation or Devastation
A SALUTARY ARTICLE ON BOAT INSURANCE BY BROOKE HAYLES THAT EMPHASIZES THE IMPORTANCE OF ENSURING YOU GET THE RIGHT INSURANCE COVER... The following is a true story of a dream gone badly wrong. Owning the Ranger Z22 Comanche Bass boat was a long cherished dream for them. They saved and envisioned the day they would be the proud owners of this boat. Finally, after many years, that day came and they bought the boat of their dreams, all 22 feet, 300 horsepower of happiness. They were anxious to go to Lake Sinclair in Georgia to christen their new boat, but they understood that first they had to take care of a very important matter: boat insurance. It was imperative that both they and their boat were protected. Their local boat insurance agent advised them that they would require guest passenger liability, property damage, bodily injury, theft, medical payment coverage along with coverage for physical loss. Now he is the boat insurance expert so no need to question, right? Well turns out they should not have been in such a hurry to enjoy their new boat and taken some extra time out to protect it. feeling confident that their boat was protected from damage or accidents, they proceeded to enjoy their dream. A rude awakening was about to happen. They lived near the ocean in Georgia. Severe storms are not common in the early summer months, but when they do occur they cause a great deal of damage. They found themselves hit by a powerful hurricane. Their dream boat, together with its cover, trailer, and other equipment were all destroyed. They called their boat insurance agent and their world turned upside down. They found out after many unanswered phone calls and a visit that they did not have the coverage that they needed to replace their destroyed vessel. Now after experiencing the fury of a hurricane and the loss of a boat, they came face to face with the reality that a dream was lost and no hope of immediate recovery or for that matter recovery in the near future. Their boat insurance agent did not advise tell them about the optional 'natural disaster coverage'. This coverage was not standard with the company they chose. Then to top it off, they found out that nothing else was covered. The trailer, cover, fishing equipment, and other articles in the boat were also lost for good. This was also an optional coverage, and again had not been suggested. The reason that we bring this story to your attention is to point out the importance of researching boat insurance policies. Even after you chose a broker, you need to discuss all the details of a policy to assure that your dream does not become a nightmare. Sometimes discounts will apply if you've taken a safe boating course, if the boat has a diesel engine, etc. A few things that are essential, to completely protect your prized boat. You want to have a boat insurance coverage that will provide wreck and emergency removal services. Be sure it covers your equipment, motor, trailer, and of course the boat. Also, be sure of natural disaster coverage no matter where you live. All areas of the country have natural disasters like floods, fire, hail, tornados, lightening and windstorms. You also want to be sure you are covered for acts of vandalism or explosions In Conclusion Getting out
on the water in the boat of your dreams is an exciting time. Don't
let the dream turn into a nightmare through inadequate boat
insurance. Ask the right questions of your broker and make sure your
boat is covered for all eventualities.
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