What does boat insurance cover in Georgia?

A standard watercraft policy covers the hull and motor for collision, fire, theft, and weather. It covers liability for bodily injury and property damage you cause to others on the water. Medical payments covers injuries to you and your passengers regardless of fault. Uninsured watercraft coverage pays when an uninsured boater causes your loss. Personal effects coverage protects fishing equipment and gear on the vessel. Coverage for fuel spill liability is sometimes available as an endorsement, important on Georgia's lakes and coastal waters.