Jet Ski & Personal Watercraft Insurance

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Personal Watercraft Defined

Water jet-pump-driven boats that are generally less than 13 feet in length (Jetskis and Waverunners). Personal watercraft (PWC) come in many sizes and can now easily accommodate four people. In addition, many personal watercraft can pull a skier.

The state of California defines a “personal watercraft” as: "a vessel 13 feet in length or less, propelled by
machinery, that is designed to be operated by a person sitting, standing, or kneeling on the vessel rather than in the conventional manner of sitting or standing inside the vessel."

Personal Watercraft (PWC) are subject to the same laws governing the operation
of motorboats of the same size. More information is available in the Department of Boating and Waterways publication, Safe Boating Hints for Personal Watercraft.

Laws regarding the operation of Personal Watercraft

  • Every person on board a personal watercraft and any person towed
    behind a vessel must wear a Coast Guard-approved Type I, II, III, or V life
    jacket.
  • The law prohibits the operation of personal watercraft at any time from sunset to sunrise, even if the personal watercraft is equipped with the proper navigational lights.
  • Person under 16 years of age are prohibited from operating a motorboat of more than 15 horsepower, including personal watercraft. Any person who permits a person under the age of 16 to do
    so is also guilty of an infraction. A person 12-15 may operate a motorboat of more than 15 horsepower if supervised by a person on board who is at least 18 years of age.

From the ABCs of the California Boating Law (2009)

California law holds that no person shall operate any craft in a reckless or negligent manner so as to endanger the life, limb or property of any person.
Some examples are:

  • Navigating a vessel, skis, or other devices between a towing vessel and its tow or tows.
  • Operating under the influence of intoxicants or narcotics.
  • Jumping or attempting to jump the wake of another vessel within 100 feet of the other vessel constitutes unsafe operation.

Other actions which constitute unsafe operation are operating a PWC toward any person or vessel in the water and turning sharply so as to spray the person or vessel; and operating at a rate of speed and proximity to another vessel so that either operator is required to swerve at the last minute to avoid collision.

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