What Happens If You Run Over Rocks With a Boat?

Running over rocks is one of the most common — and expensive — boating accidents. It doesn’t always happen at high speed, and it doesn’t always look dramatic in the moment. Sometimes it’s just a jolt, a sudden vibration, or a strange noise that makes you wonder if something went wrong.

The bigger concern often comes later: What damage did I just cause — and is it covered?

Here’s what boat owners should know if their boat hits rocks, reefs, or shallow hazards.

Disclaimer: Boat insurance coverage varies by policy, carrier, and situation. The information below is general in nature and may not reflect the exact coverage available under your policy. Always review your policy documents or speak with a licensed insurance professional to understand your specific coverage.

Common Damage From Running Over Rocks

Even slow-speed contact with rocks can cause serious issues. Damage isn’t always visible from above the waterline.

Typical Damage Can Include

Propeller damage (bent, cracked, or chipped blades)
Lower unit or outdrive damage
Shaft misalignment
Hull scratches, cracks, or punctures
Keel or skeg damage
Intake or cooling system blockages

In some cases, continuing to operate the boat after impact can make the damage worse.

Why Rock Damage Is Often Worse Than It Looks

A boat doesn’t need to stop abruptly for damage to occur. When the propeller or hull strikes rocks:

Force transfers through the drivetrain
Internal components can shift or crack
Minor exterior damage can hide major mechanical issues

That’s why marine mechanics often recommend a full inspection after any hard contact with underwater objects.

Is Hitting Rocks Considered an Accident?

In many cases, yes — but coverage depends on how your policy is written.

Boat insurance policies often distinguish between:

Sudden, accidental damage
Wear and tear
Negligence or improper operation

Running over submerged rocks can qualify as accidental damage, depending on circumstances and policy terms.

Can Boat Insurance Cover Damage From Rocks?

A boat insurance policy can include coverage for damage caused by striking submerged or visible objects, such as rocks, reefs, or sandbars.

Coverage can include:

Repairs to the hull
Damage to the propeller or drive components
Salvage or towing after the incident
Related mechanical repairs tied to the impact

However, coverage is not automatic, and exclusions or limitations may apply.

When Coverage May Be Limited or Denied

Boat insurance may not respond if damage is attributed to:

Normal wear and tear
Poor maintenance
Continuing to operate the boat after known damage
Operating outside navigable waters
Intentional or reckless behavior

This is why documenting the incident and stopping operation promptly can matter.

Example Scenario

You’re cruising in a familiar area at low tide and unknowingly cross a shallow section. The boat shudders briefly but keeps moving.

Later, you notice vibration and reduced performance.

Inspection reveals propeller damage and shaft misalignment
Repairs total several thousand dollars
Whether insurance helps depends on whether your policy includes physical damage coverage and how the incident is classified

Without proper coverage, repairs are typically out of pocket.