Summers in Tucson, AZ, practically demand that you spend time in the water, and if you’re a boat person, that’s even better. While you’re looking into boating options, you will probably have questions about coverage. One thing that we get at The Insurance House pretty often is what happens when a boat is damaged while being towed to the lake.
Auto Policy
Before we get into specifics, remember that every policy is different. Always check the details in your own policy before assuming any coverage.
With that said, in most cases, your auto policy will cover liability related to towing, even when you are towing a boat. So, if the boat causes damage or injury while you are towing it, your auto liability coverage still works.
Let’s be extra clear. The auto policy no longer covers the boat as soon as it is detached from your vehicle.
Another extremely important note is that an auto policy usually does not cover damage to your boat while you are towing it, even with comprehensive coverage.
Boat Policy
If you want coverage for the boat itself, that has to come from your boat insurance. Remember, there are many different kinds of boats and many different boat insurance policies.
You will want to specify that you tow your boat and that it needs coverage while on the road. The good news is that such coverage does exist and is rather common.
As long as you have such coverage, boat claims will pay out like any other policy. Submit the claim, and the insurance company will go through the red tape process. Then, you will get a payout. It will either help you fix or replace the boat.
The amount paid depends on the policy and the circumstances, but that is the gist of how boat coverage works while you are towing.
If you want to learn more about policies to ensure your boat’s protection, contact your representative at The Insurance House. We serve people throughout the Tucson, AZ, metro area.
