The Cumberland River is a well-known and expansive body of water flowing through both Tennessee and Kentucky. It passes just to the south of both Clarksville and the Fort Campbell area as it meanders between the Volunteer and Bluegrass states. It's also famous for its attraction for boaters, kayakers and indeed anyone who enjoys water sports or nature in general. So, if you plan to take your personal vessel on a weekend cruise this fall, this might be the place to go. However, you'll want to make sure you have insurance on the boat.
Boat insurance is as critical for any pilot as car insurance is for a driver. Therefore, when you prepare to use a boat, you need to insure it, in addition to another several important steps.
Tennessee And Kentucky Boating Regulations
Buying a boat is like buying a car in a lot of ways. It is a motor vehicle, after all. Both Tennessee and Kentucky have in place certain waterway regulations that boaters must follow in order to for legal use on state waterways.
So, before heading out on the Cumberland, or taking your boat to the coast on a road trip, remember that there are a few things you might need to do:
- You will likely have to both register the vessel and mark it as registered.
- You must pass a boating safety test and obtain proper licensing.
- You must familiarize yourself with laws of the water, which are similar to driving laws.
- You must stock the boat with appropriate safety equipment, and require all passengers to wear it whenever necessary.
Despite these restrictions, neither Tennessee nor Kentucky have a law in place that will require you to buy insurance for the vessel. All the same, you should purchase a policy.
Getting Boat Insurance
By buying boat insurance, you'll be able to protect your financial security and property in the event you experience accidents in the boat, or experience any other damage. Coverage can be instrumental to your security well into the future.
- Liability Insurance helps you pay for third-party losses if you cause a boating accident, such as if you accidentally ram someone else's vessel while trying to dock.
- Physical Damage Coverage can insure your vessel for its own damage following wrecks, and other accidents such as fires or vandalism.
- Uninsured Boater Coverage pays in cases where you get into an accident with another boater, who has no liability insurance to pay you for your losses if they are at fault.
There are plenty of other perks to coverage that can come in handy when boating accidents happen. So, before you go anywhere on your vessel, make sure you have coverage.