Greg shares safety tips on how to prepare for a hail storm in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw.
Here's a full transcript of the episode.
Rob Carnie: Greg Marcyniuk, Heritage Insurance, on Ask the Expert
Rob Carnie: Ask the Expert on the radio right now, with Greg Marcyniuk, insurance expert from Heritage Insurance in downtown Moose Jaw. And for the first time in many, many months, we're live in person today. Greg, we've been doing this on the phone, during the lockdown. It's good to see you.
Greg Marcyniuk: Yeah. It sure is, Rob. It's nice to have some open-air and being able to see people again. It's just a great feeling.
Rob Carnie: And you're vaxxed to the max?
Greg Marcyniuk: I am vaxxed to the max, two Pfizers.
Rob Carnie: Right on. Good stuff. I feel safe with you then.
Greg Marcyniuk: Well, I do with you as well. Because I know you're all maxed, too.
Rob Carnie: Yeah. Double, double is what it's called.
Greg Marcyniuk: Double, double is right.
Rob Carnie: On the agenda today, insurance and personal watercraft. More and more people are getting on the Sea-Doos, and what else do you call them?
Greg Marcyniuk: Jet skis, there's the stand-up ones and there's lots of different models out there. It's just important that you should know what type of coverage you actually have, and that you should have coverage on it. First of all, bodily injury to yourself, another rider, or swimmer in your path, proper damages to docks, and other personal watercrafts or boats, guest passenger liability, and medical payments.
Now, there are a variance of deductibles in the event of either a theft or if there's property damage, as well as a thousand dollars in medical benefits if somebody did get hurt. Liability starts at various amounts and can go up to $1 million. And, something else that a person should look at doing is actually end up adding on an umbrella policy as well because it'd just extend your coverage that much more. All of these provide protection when you engage in sporting activities such as water skiing, kneeboarding, or tubing. So, it's really good.
Also, just a few safety tips when you are operating these personal watercrafts. You should maintain at least 90 meters between another vessel in front or behind of you. And as well, there should be 45 meters between either side of you if you're out cruising with some other jet skis which we do see.
Another thing I see regularly is jet skiers going behind boats and jumping over the waves. I know it's fun, but you can lose control. I've seen guys actually wipe out and wipe out bad. So a very good idea is to just stay away from that because they can cause damage and push you into traffic, onto oncoming boats, or other watercraft.
Also, you really want to be aware of your surroundings. A lot of times when I'm out on the lake, I see people just zipping, and they're just not taking a look, doing shoulder checks. So, you really have to be aware of those surroundings, and look out for other watercraft, other swimmers, boarders, and divers. As well, you really want to be aware of your wake because, again, you are responsible for any damage that you do to others with your wake.
And, last and foremost, no alcohol when you're operating these machines because if you are under the influence, there is zero coverage. So you could be hit with a double whammy.
So, these are just a few tips while you're operating, as well as just a little bit about the coverages.
Rob Carnie: Personal watercrafts can be a lot of fun, but you should look after your insurance, and we can discuss the options with your right here at Heritage Insurance.
Greg Marcyniuk: That's correct. At the corner of Fairford and First. And, come in and talk to any of our fine people. And if you like, you can go online and download this whole thing we've just talked about.
(Video transcription by Speechpad)