Spending a day on the water is a wonderful way to unwind, but boating also comes with responsibilities, particularly concerning the wake your boat creates. Many boaters are unaware that they can be held liable for damage caused by their wake, whether it affects another vessel, a dock, or even a shoreline structure. At Oak Ridge Insurance Services, serving the greater Oak Ridge, NC area, we help boaters understand their risks and ensure they have the appropriate coverage in place.
Grasping Wake Liability
As your boat moves through the water, it creates waves known as a wake. This is usually harmless in open water, but in crowded marinas, near docks, or smaller vessels, a strong wake can cause significant damage. If your wake swamps another boat, injures passengers, or damages property, you could be held financially responsible. Even if you didn’t intend to cause harm, you may still be considered liable under boating laws.
The Role of Boat Insurance
Liability coverage in a boat insurance policy can protect you from the financial consequences of wake-related damage. If your wake results in repairs, medical bills, or even legal claims, your insurance can cover the costs, saving you from paying out of pocket. Without the right coverage, a simple day on the water could turn into an expensive mistake.
Ensuring Protection on the Water
Being a responsible boater means understanding the risks and having the right insurance. If you’re unsure whether your current policy includes liability protection for wake damage, Oak Ridge Insurance Services, serving the area around Oak Ridge, NC, can help. Contact us today to ensure you’re covered before your next boating adventure.
