Stephen Krzyston works as a criminal defense and personal injury attorney at Cavanaugh & Thickens in Columbia, South Carolina. Before joining the law firm, Stephen Krzyston worked as an assistant public defender in Richland County for seven years. In his free time, he enjoys fishing, hunting, and boating.
Like most U.S. states, South Carolina doesn’t legally require boat owners to have any insurance. Currently, only Utah, Hawaii, and Arkansas have a mandatory boat insurance policy. Boat liability insurance, for example, will financially protect you in case you face a personal injury lawsuit because of a boat accident that caused property damage or injury to a person. Investigating to find out if you have any type of boat insurance is the first thing an attorney will do when they take up a personal injury case involving a boat accident.
While boat insurance isn’t mandatory in South Carolina, if you’re paying a boat loan, the financing company may insist that you take boat insurance while paying off your loan. Some marinas may also require you to have some type of insurance before you store your boat at their facilities. For example, South Carolina’s Charleston City Marina requires boat owners who wish to dock there to have at least $300,000 in liability insurance.
