Do I need personal injury protection on a personal watercraft policy?

"I declined personal injury protection on my auto policy, but I'm looking to also add a personal watercraft policy. It looks like personal injury protection is offered at a higher amount, so I'm wondering if I need it.

I have good health insurance and anyone riding on it would also have health insurance. If I need it, how much coverage should I get? "

Answer provided by
Emily Maracle
Answered on May 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“ With any type of insurance, including personal injury protection (PIP), you’ll want to make sure the coverage you have protects any assets or future assets you may have should you ever be at fault in an accident.
When determining what coverage levels are right for you, you’ll first want to decide how much you can afford to pay for insurance. Once you know how much you can afford, you should get the highest amount of coverage possible for that price.
Even if you have health insurance, PIP is an important coverage to have. No matter how good your health insurance is, there are always limits and exclusions. Health insurance plans also normally have deductibles or copays.
Personal injury protection often doesn’t have this limitation and can cover anything your health insurance does not. The same would apply for any passengers on your watercraft.

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