Simon's spouse was riding the family's watercraft when it hit a swimmer. The watercraft is 3 meters long and has a 16 Horse Power Motor and it's not scheduled under their personal property insurance. As a result of the accident, Simon is being sued for medical expenses and minor injuries that the swimmer sustained. Does Simon have coverage under their property insurance and why? No, as Simon's property coverage does not extend to his spouse. No, as watercrafts with a horse power-motors of 16 or more are not included under this policy. Yes, as liability is automatically extended to personal watercrafts regardless of the watercraft's horse power. Yes, as liability is extended to watercrafts of this length with horse power of 16 or less.

Simon's spouse was riding the family's watercraft when it hit a swimmer. The watercraft is 3 meters long and has a 16 Horse Power Motor and it's not scheduled under their personal property insurance. As a result of the accident, Simon is being sued for medical expenses and minor injuries that the swimmer sustained. Does Simon have coverage under their property insurance and why? No, as Simon's property coverage does not extend to his spouse. No, as watercrafts with a horse power-motors of 16 or more are not included under this policy. Yes, as liability is automatically extended to personal watercrafts regardless of the watercraft's horse power. Yes, as liability is extended to watercrafts of this length with horse power of 16 or less.