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Life jackets save lives — especially on personal watercraft (PWCs) and smaller boats, where sudden acceleration, wakes, or unexpected falls are more common. But many boaters wonder something simple and important:
“If I’m not wearing a life jacket and something happens, am I still covered by insurance?”
The answer depends on the situation, the policy, and the type of vessel — but the safest approach is always to wear one.
⚓ Want to know how your current policy handles safety requirements? Talk to a Sun Coast agent today to make sure you’re protected before heading out on the water.
A life jacket doesn’t automatically determine whether you are covered — but it can influence how a claim is reviewed, especially for PWCs.
Here’s how coverage typically works:
But that doesn’t mean it won’t be considered during the claims process, depending on state laws and circumstances. Always be sure to know what to include on your boat or PWC while you are riding.
Most states require PWC riders to wear U.S. Coast Guard–approved life vests at all times.
Failing to follow state laws may affect liability decisions after an accident. Speed, operating behavior, and safety compliance are all factors insurers may review, as explained in this article on speed restrictions and PWC insurance.
This doesn’t automatically mean denial — but it’s a factor in determining negligence or shared responsibility.
Responsible riding practices are especially important on jet skis and similar craft, which is why this guide on PWC etiquette and responsible riding is helpful for reducing risk on the water.
Examples:
Even if your insurance may still apply, wearing a life jacket dramatically increases:
Life jackets are a simple step that make a huge difference — and they keep you compliant with state boating laws. This is reinforced in this jet ski safety guide, which outlines why protective gear matters even when coverage is in place.
Yes, significantly.
Adults are usually not always required to wear life jackets at all times, but must have enough onboard for each passenger.
Riders often must wear life jackets while operating or riding a jet ski, Sea-Doo, WaveRunner, or similar craft.
This difference is important when it comes to safe operation — and how an insurer evaluates a claim. Be sure to check your local regulations. If you primarily ride PWCs, this article on whether you need insurance for a jet ski explains how coverage expectations differ from traditional boats.
Accidents can happen even to experienced boaters. Weather, wakes, and crowded waterways can create unpredictable situations — and the right insurance helps protect you financially when the unexpected happens.
Sun Coast boat and PWC insurance may include protection for:
⚓ Not sure what your current policy covers? Get a quick quote from Sun Coast and make sure you’re protected every time you head out.
