Which type of watercraft is NOT covered for bodily injury or personal damage?

Which type of watercraft is NOT covered for bodily injury or personal damage?

• A. Watercraft with an Outboard motor of 15hp
• B. Watercraft with an inboard motor of 55hp
• C. Rented Watercraft with a motor of 75hp
• D. Non-motorized watercraft of 25ft in length

Answer: (B)

The type of watercraft that is not covered for bodily injury or personal damage is one that typically exceeds certain limitations set by insurance providers regarding horsepower and type. In this context, an inboard motor of 55hp is likely outside the coverage limits specified for watercraft insurance policies. Generally, insurance policies have specific criteria for coverage, especially regarding the power capacity of engines in motorized boats. Watercraft that carry higher horsepower engines often require additional coverage or fall under different policy provisions. The correct choice indicates that an inboard motor of 55hp is typically regarded as too powerful to be included in standard coverage, which is often designed for smaller, less powerful watercraft. Therefore, these factors make Option B the answer as it doesn't meet the necessary coverage guidelines.

The type of watercraft that is not covered for bodily injury or personal damage is one that typically exceeds certain limitations set by insurance providers regarding horsepower and type. In this context, an inboard motor of 55hp is likely outside the coverage limits specified for watercraft insurance policies.

Generally, insurance policies have specific criteria for coverage, especially regarding the power capacity of engines in motorized boats. Watercraft that carry higher horsepower engines often require additional coverage or fall under different policy provisions.

The correct choice indicates that an inboard motor of 55hp is typically regarded as too powerful to be included in standard coverage, which is often designed for smaller, less powerful watercraft. Therefore, these factors make Option B the answer as it doesn't meet the necessary coverage guidelines.