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Taking to the open waters on your boat can be an exciting experience, but the thought of drinking alcohol while boating might cross your mind. However, giving in to this temptation can put more than your boat at risk. Even consuming a single alcoholic beverage can impact your insurance coverage through the DePaulo Agency.
How Alcohol Impacts Boat Insurance Coverage
Boating under the influence of alcohol significantly increases the likelihood of collisions or other accidents on the water. Even one drink can impair your judgment, balance, and vision, making it dangerous to operate a boat.
What many boaters don’t realize is that drinking while boating can potentially void your boat insurance. This means that accidents involving other boats, docks, piers, or other objects may not be covered by your policy.
Legal and Financial Consequences
Boating under the influence doesn’t just put your safety at risk. It also exposes you to legal and financial liability for any accidents that occur. Avoiding alcohol while boating ensures you maintain your insurance coverage and protects your personal assets from potential lawsuits.
Additionally, a conviction for boating under the influence can lead to increased insurance premiums. Insurers in Scotia, NY often view boaters who drink on the water as higher-risk clients, leading to higher coverage costs.
Some insurance policies may even include specific language excluding coverage for incidents that occur while the boat operator is under the influence of alcohol. In severe cases, a conviction for boating under the influence could lead to the cancellation of your boat insurance policy. If this happens, the insurance provider may refuse to renew your coverage, forcing you to switch carriers or go without insurance.
Contact the DePaulo Agency Today
Located in Scotia, NY, our team provides the insurance coverage you need to enjoy boating responsibly. If you’re considering a new boat insurance policy, call us at 518-372-7477 for a personalized quote.