Re: Qualified safety courses
Howdee, I am an insurance agent. I took an online version of a boating safety course and my company accepted it. I think in general the course offered by the coast guard will be the course most likely to get you the discount, but every company can be different. Some companies as mentioned earlier may not give a discount. <br />First place to ask the question is with your personal agent or call the company if you don't have an agent type company. <br />Any safety course is good one if you haven't had several all ready.... Good luck and safe boating.<br /><br />You might want to ask your agent the following while you are at it.<br /><br />1. If I am driving my boat and hit a rock under the water damaging my boat and motor, am I covered?<br />2. If someone driving another boat hits me and damages my boat am I covered? Will it matter if the other person is or is not insured.<br />3. If I run out of fuel or can't get started up -- does my policy cover marine assistance or towing? If yes are there limitations?<br />4. If I get tangled in a commercial fishing net damaging my boat & the commercial fishing net, how am I covered?<br />5. If someone steals my kicker motor off my boat am I covered, If yes is it going to be a used or depreciated value or full replacement value?<br />6. If someone steals my expensive rods - reels and tackle of my boat am I covered. If yes will it be depreciated or replacement. Will my homeowner's policy cover this loss if my boat policy does not?<br />7. If my inboard boat motor freezes and damages the motor this winter am I covered?<br />8. Am I covered to operate my boat in any waters anywhere or are there territorial limitations to my policy?<br />9. Can anyone drive my boat with my permission and be covered.<br />10.Can I drive someone elses boat and have coverage extended to that borrowed or rented boat?<br />11.If I buy a new boat and trade my old boat in do I have temporary coverage? If yes what are the limitations of that coverage and what time frame do have to work within?<br />12. If I hit a swimmer in the water with my boat and hurt them, am I covered and what are my limits of coverage? Are there options for increased limits?<br />13. What is my deductible and what type of losses will it apply to.<br />14. Are boat accessories covered? Items like oars, anchors, radios, flare guns, navigational equipment. Will it be replaced at a full or depreciated or used value? Ask them to define what are and what are not accessories. Will fishing tackle be considered an accessory. <br />15. If I turn in a loss what is your company going to do? Will they raise my rates or change my coverage? What are the chances that I might get canceled if I turn in a loss? What if I have two losses?<br /><br />16. If my boat is damaged or even totalled. How will the loss be handled. Replacement value or depreciated value. What & when do these limitations apply.<br /><br />Good Luck........
