A Twin Cities TV reporter is advocating for a reform in boat insurance laws after losing part of her leg in a boating accident in 2017.
The reporter was flung overboard and part of her lower leg was caught in the boat’s propeller. The watercraft insurance policy for the boat excluded her because the boat’s owner was her husband.
In Minnesota and several other states, boat liability coverage excludes spouses and children of the registered boat owner. The reporter hopes to change state insurance laws will outlaw the family exclusion clause on watercraft liability policies.
Boat insurance is not always required and companies are allowed to include family exclusion policies. Minnesota’s insurance industry says allowing family members to be covered could increase the chances of families lying about injuries to collect compensation. The cost of liability insurance will also increase if family members required to be covered.