Quote:
Originally Posted by Greene's Basin Girl
I have all my insurance with State Farm. They told me that anyone who drives my automobile insured by them is covered under my policy. I am not sure if that holds true with a boat policy. I would have to call them.
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People need to read their policies to be sure of their coverage, but one thing that
most insurance policies specify is that if someone is using your boat/car/motorcycle with permission, they are covered.
Just remember, that if anything happens while this permitted operator is using your property, you are just as liable as if you were operating it yourself. This means that all your assets are exposed in the event of a large lawsuit. So, can you hear high limits of liability on your policies, an umbrella policy over the top of all your liability policies, and being very judicious in allowing others to operate these things.
Above all, read your policy and /or talk to your agent and make sure you have no questions about your coverage.