Originally Posted by WakezoneINS (Post 3694100)

This is exactly why you never "carry the minimums" on your insurance. I have people say that to me often, thinking that it's going to save them a ton of money on their insurance. The reality is, on a v hull, the difference in cost between $100,000 and $300,000 in coverage is only $40 a year, a year! To go up to $500,000 is only another $40! (roughly).

Originally Posted by onesickpantera (Post 3694174)

I can't comment on the waiver but what most people don't realize is you can get sued even if the injured person doesn't want to. If someone is injured on your boat and they have health insurance that has to pay for their injuries then their insurance company may come after you.

Originally Posted by WakezoneINS (Post 3694100)

You can be the safest boater in the world but there are factors on the water that are beyond your control...

Originally Posted by onesickpantera (Post 3694173)

Excellent point! I raised my liability after actually reading my policy a few years ago.