Boating under the influence (BUI) is one of the leading causes of accidents and fatalities on waterways across the United States. Boaters may assume insurance will cover damages and injuries resulting from a BUI accident, but this is not always the case. At Tim Huber Insurance, serving St. Augustine, FL, we want to help keep you safe on the water this summer with our comprehensive boating insurance. We also want to educate you about the dangers and consequences of operating a boat under the influence, which include:
1. Higher Boat Insurance Rates
Your boat insurance rates will likely increase if you’re convicted of a BUI. In some cases, your insurer may even cancel your policy altogether. Finding coverage from another company may be difficult if your insurer drops you.
2. Increased Risk of Collision
Alcohol impairs your judgment and slows your reflexes, making it more difficult to operate your boat safely. This increases the risk of collision, which could result in serious injuries or even death.
3. Possible Criminal Charges
Depending on the accident’s severity, you could face criminal charges if you’re convicted of a BUI. These charges could include manslaughter, negligent homicide, or assault. You could also be fined and imprisoned.
4. Damage to Your Boat
In the event of an accident, your boat could sustain serious damage. If you’re not adequately insured, you could be left to pay for these repairs out of pocket. Your insurance company may also refuse to pay for damages if they determine you were operating your boat under the influence.
Get Comprehensive Boating Insurance in St. Augustine, FL
At Tim Huber Insurance in St. Augustine, FL, we offer comprehensive boating insurance to protect you and your vessel in the event of an accident. Contact our office for more information on a policy.
