My wife and I were chatting about boat insurance policies and I'm curious what type of coverage others have. I'm not certain exactly what my policy is, but, I know it is the state required minimum which is around 25-50K of coverage.
My other question is what would be the 'owners' liability in the case a friend was to become injured while being towed behind your boat. For the sake of this discussion lets say the friend being towed knocked himself out after a hard fall and required further medical attention. Would the owner/operator have any liability in this instance if there was no negligance by the owner/operator?