Under California law, you are not required to carry boat insurance. Boating is a very popular activity in Folsom, CA, and many boaters probably carry either no insurance or inadequate protection. Even if you choose not to carry insurance through T.D. McNeil Insurance Services, you are still responsible for anything that happens when you are out boating. Because there are more boats on California waterways, the state has a higher risk of being in an accident.
Boats and Accidents
California has some particularly great places for boating. Unfortunately, that also means that other people take advantage of the great location to let loose on the water. Even if you are careful and follow every rule, you may still be in an accident. Accidents may be caused by speeding, bad weather, or even just not paying attention. This can lead to property damage, injury, and even death. When there is no insurance, how will those damages get paid?
Who Was at Fault?
If you were at fault during an accident, the injured party or parties can sue you for compensation. When you have insurance, those parties will deal with your insurance company instead of you. If you were negligent and caused an accident, your policy will pay up to the maximum limits you chose. On the other hand, if you choose not to carry insurance, you will be personally liable for any damages and deal directly with victims.
Reach Out To Us
Boat insurance from T.D. McNeil Insurance Services will keep you from using your own bank account and property to compensate accident victims. If you enjoy boating in Folsom, CA, please feel free to call and learn how boat insurance can benefit you.