Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precaustions. Here are a few tips for boating on Lake Lanier and Lake Hartwell:
Don’t let an accident wreck your fun!
Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog!
Most Dacula home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive watersports gear.
Alcohol and Boating Don't Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.
Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don't let passengers "ski" or “teak-surf” by holding on to the back of the boat. Carbon monoxide detectors are standard on most new boats; detectors for older boats can be installed for less than $100.
Boats Need TLC Too. When you're out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat's operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.
Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.
Sites for Information:
Coast Guard: www.uscgboating.org
Coast Guard Auxiliary: nws.cgaux.org/
Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat
Call us at (770) 339-0447 or send us a message for more information on boat or watercraft insurance. If you are thinking about taking a boat safety course let us know. It could earn you additional discounts. Who doesn’t like saving money?
© 2017 Cowart Insurance Agency