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Editor: Rod Sullivan
Profession: Maritime Attorney

Category: Boating Accidents

S.L. was riding his jet ski about 30 to 35 mph with a friend of his in a motor boat off of
his port side astern. The motor boat blew its horn and S.L., on his jet ski, turned hard left, putting him directly in front of the motor boat. The motor boat ran over the jet ski forcing S.L. underneath the water where he was struck by the motor boat's propeller. He lost one leg, the other leg was severely injured, and had lacerations on his head.

Will the boat's owner's insurance policy cover him? Maybe no.

Most people do not realize that their homeowners policy does not cover the operation of "watercraft." Jet skis are watercraft. Jet ski owners often have insurance, but what about renters?

When someone rents a jet ski on vacation and allows a friend to ride on the back, they generally do not have any insurance coverage if the passenger should become injured.