Boat Drivers Insurance

[Raymond]

Originally Posted by keakar

ummm, its the same with cars, that's why you have the "uninsured" coverage on your policy. it not only covers the other vehicles uninsured driver but it also covers an uninsured driver using your vehicle.

add uninsured driver to your policy and it covers the other boat and your boat in case someone isn't covered under the regular policy

Where did you hear that news?
Uninsured motorists coverage is used when the third party doesn't have any or enough converage for bodily injury claim. It has nothing to do with someone driving a car with coverage not having insurance. Insurance stays with the car and cannot be moved around from auto to auto unless the auto you are in has no UM. You can fall back on the UM from your policy but only for you not the owner of the car without. Adding UM to any policy will not insure someone if they exclude anyone that is not listed as a driver. MVR's are run on boats just like the companies do for autos and tickets and accidents will jack your boat rates just the same, don't get me started about DUI's.