Insurance companies make MILLIONS off boaters every year... they can just about give any figure they want and we HAVE to pay it. The three most common boating accidents are:
1. Driving like a Knucklehead at night
2. Driving like a knucklehead drunk
3. Driving like a knucklehead
Accidents are always going to happen...period. If you hit something in the lake (stump/log) or your boat gets stolen, that is the reason for insurance. 99 times out of 100, claims are made because someone is an idiot. Just dont be a knucklehead and do 100 on a small lake, a crowded lake or at night after a case of beer..... sound familiar.... Dont do that on
or your CAR.
The problem these days is Jet Skis. without them, the lakes are much safer. Any knucklehead with 5,000$ can go do 60 on a lake, be 12 years old, and do donuts and spin outs in the main channell.
I have come to the conclusion that they will start bouncing off me from now on.