As we head into the weekend of Memorial Day, the official start of the summer season, we have two reminders recreation: There is the national week of Boating safety and Recreational water illness and prevention week injury. Today we'll focus on boating.
The US Coast Guard compiles annual statistics on reported accidents boating. These statistics are a compilation of data from the 50 states of the reports filed by the boat owners. Here are some statistics of navigation in 2013:
- 4,062 boating accidents
- Boat Used 560 deaths
- 2620 related injuries Boat Used
- $ 39 million in property damage
- 4.7 deaths per 100,000 pleasure boats registered
- 10% fewer deaths and nearly 13% less injuries than 2012
- 77% of deaths were drowning
- 84% of drownings involved victims who were not wearing life jackets
- 8 of 10 boaters who drowned were on vessels less than 21 feet long
- alcohol consumption is the main factor known fatal boating accidents
what you need to know about boat insurance
your homeowners policy may cover small boats as a small motor boat, canoe, a boat, a small boat or kayak - but be aware that coverage can be limited so check with your agent to find out what is covered and what is not. For example, liability coverage is usually not included so you would probably need approval.
larger ships, more expensive, should be a separate policy. The Insurance Information Institute offers a good overview of the boat insurance with some safety tips; Bankrate offers 6 things to know about boat insurance
If you buy a boat for the first time, it is really worth to get the help of an independent agent because there are many coverage variables and considerations that will affect the cost of coverage and the level of protection. Also make sure to look in the safe operating current - it's a good idea to help you and your passengers prevent becoming a statistic. In addition, you can earn a discount on your coverage. The US Coast Guard proposes a list of boating safety courses as well as many other tools and resources at hand to them Boating Safety Resource Center.
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