Heading out to a lake or river for a day of boating in Evansville, IN, provides endless hours of fun for everyone. This includes not only adults interested in taking their watercraft for a spin, but also young operators who are aged 15 or older. While boat operators in Evansville, IN are not required to have insurance on their watercraft, there are exceptions to the law.

What Does Indiana Require Regarding Boat Insurance for Adults?

Adults who are in the process of purchasing a boat from a bank or other lender will most likely be required to provide collision and comprehensive insurance coverage. Just like an automobile or other vehicle being financed, the lender will want to ensure their investment is protected in the event of an accident.

If you plan to stop at a marina to refuel or refresh, the owner of the marina may also require proof of insurance before you are allowed to dock your watercraft. This makes sense as an uninsured boat may come into contact with other ships, causing an accident or damage.

What are the State Requirements for Underage Operators?

Residents who are 16 years old must have a current and valid state driver’s license that allows them to operate a motor vehicle before they can legally operate a motorboat.

Resident teens who are a minimum of 15 years old must have a valid state identification card and pass the state’s boater’s education course before they are allowed to operate a motorboat or a power watercraft.

Contact Trestle Insurance Agency Inc.

At Trestle Insurance Agency Inc., our agents are here to help you understand when it is to your benefit to have boat coverage. We are also here to provide detailed information about any requirements the state may have and how to meet those requirements.