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If you own a personal watercraft you know that they can be exhilarating and fun and yet you are probably fully aware of how dangerous they can be. This is why personal water craft insurance is a must. The kind of insurance available varies from company to company and the kind of insurance you will most likely need varies from state to state.

There are some good recommendations on the American Watercraft Association website to bring you up to speed on the issues concerning water craft and these can give you a pretty good idea of the types of coverages you should be seeking.

Going skinny on coverage could prove to be disastrous in the case of a huge lawsuit due to an injury involving you or your watercraft it is deemed to have been partially your responsibility. The liability of such a judgment going against you could bankrupt your family and there are some horror stories to prove that.

If you bought your watercraft on time and borrowed money most likely you were required to buy the basic coverage. Nevertheless, this might not be enough that therefore you should be checking into extended coverages, even such things as trivial as theft and emergency towing need to be considered seriously.

I was concerned about injuries to riders or water skiers I tow and once I had someone bump me in their boat and damage my watercraft, they didn't have insurance and the derelict (opinion) was basically broke. This really upset me and prompted me to do what I should have done in the first place. I should have called an expert on insurance to help me.

Do not make that mistake, call an expert to explain to you what you need and why. I certainly hope this article is of interest and that is has propelled thought. The goal is simple; to help you in your quest to be the best in 2007. I thank you for reading my many articles on diverse subjects, which interest you.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington