Uninsured watercraft coverage in a boatowners policy is designed to compensate for what?

• A. Property damage to the insured boat
• B. Bodily injury that should have been covered by the owner or operator of insured watercraft
• C. Losses due to weather damage
• D. Medical payments to others

Answer: (B)

Uninsured watercraft coverage works like uninsured motorist protection for boats. Its purpose is to protect you when the other boat involved in an accident doesn’t have liability insurance (or isn’t enough) to pay for injuries it caused. It pays for bodily injuries you sustain that would have been covered by the at‑fault owner/operator’s liability insurance, up to your policy limits. It does not cover damage to your own boat (that’s hull or physical damage coverage), and it isn’t the same as medical payments, which are a separate coverage designed to pay medical expenses regardless of fault.