What type of coverage does Personal Watercraft Coverage include?

Personal Watercraft Coverage includes both physical damage and liability coverage. This type of insurance is designed specifically for personal watercraft, such as jet skis or wave runners, providing essential protection for the owner.

Physical damage coverage helps repair or replace the watercraft if it is damaged due to accidents, theft, or other perils. Liability coverage protects the insured if they are found responsible for causing injury or damage to another person or their property while operating the watercraft. This dual approach ensures that the owner is protected not just for their own equipment but also provides security against potential lawsuits stemming from accidents involving their personal watercraft.

While the other choices mention various aspects of insurance, they do not accurately capture the complete range of protections offered under Personal Watercraft Coverage. For instance, property damage and physical loss focuses on specific incidents but may overlook liability aspects. Medical payments and personal recovery primarily address medical costs associated with injuries but don't encompass the broader scope of liability and physical damage. Comprehensive and collision coverage are specific terms typically used in auto insurance, and while they relate to physical damage, they do not fully describe the nature of coverage provided for personal watercraft.