Which type of watercraft is not covered for bodily injury or personal damage?

The answer identifies a specific category of watercraft that typically falls outside the coverage parameters for bodily injury or personal damage. Under many insurance policies, especially those regarding watercraft, certain limitations are established based on the type, motor power, and sometimes size or rental status of the watercraft.

Watercraft with an inboard motor of 55 horsepower often exceed the limits placed on coverage for bodily injury or personal damage. Insurers generally impose horsepower thresholds for coverage eligibility; motorized vessels over a certain horsepower may require additional endorsements, potentially excluding standard coverage unless specific provisions are taken.

In contrast, watercraft with a smaller outboard motor or non-motorized vessels are more likely to be covered as they fall within the threshold that most basic policies protect. Additionally, rented watercraft might still be covered up to a certain horsepower limit outlined in the policy, even if they have a high horsepower motor, depending on the stipulations of the coverage.

In summary, recognizing the nuances in horsepower categorization and the typical underwriting guidelines of insurers is essential to understanding why the inboard motor of 55hp would likely not be covered for bodily injury or personal damage.