There are many reasons to love the sport of boating — it can be relaxing, exciting, entertaining, and even rejuvenating. But hauling a boat on a trailer and launching it at a busy launch ramp can have its challenges. In fact, it can be downright stressful and dangerous, and is often wrought with mishaps.
It’s not too early to get your boat trailer in tip-top shape. To help make sure you can haul your boat to its destination and into the water smoothly, review this basic trailering checklist from discoverboating.com.
Before you tow your boat trailer, be sure:
- Coupler, hitch, and hitch ball are of the same size.
- Coupler and safety chains are safely secured to the hitch of the tow vehicle.
- All fasteners are properly tightened.
- Boat is securely tied down to trailer (winch line is not a tie down).
- Wheel lug nuts are properly tightened.
- Wheel bearings are properly adjusted and maintained.
- Load is within maximum load carrying capacity.
- Tires are properly inflated.
- All trailer lighting is working properly.
- Trailer brakes are properly adjusted and working (if trailer is so equipped).
- Brakes and additional equipment meet all local and state requirements.
Check with your ABI Insurance agent and make sure your coverage is adequate, and your policies are current before heading out on the water. Your agent will help you understand the boat and trailer policy liability limits and review coverages, which may differ by carrier.
Generally, if your personal boat is on a trailer and attached to your vehicle, the liability from the vehicle pulling it would extend to the boat. If an accident occurs and the boat is not hitched to your vehicle, separate coverage may be needed.
If you have upgraded your boat or trailer recently, let your agent know about that too. Your agent will check to see if your coverages and limits are sufficient. Just one accident involving a boat can result in extensive damage and serious injuries.
At ABI Insurance, we want your boating adventures to be enjoyed on the water instead of experiencing frustration on the road or the ramp.
Happy hauling!
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