Bob is my new hero! He recently sold me a policy on my boat and during the process, talked to me about additional coverage for uninsured/underinsured boaters. (Something I thought I'd never need or use but I listened to the expert). I can tell you first hand....CHECK YOUR COVERAGE! If you're not sure, call Bob and go over it. I was a passenger in a bass boat a few weeks back and we had a bad crash. I suffered a bunch of injuries and the owners' policy would have been insufficient to cover the medical, lost wages, pain & suffering, etc. However, because I listened to Bob....MY policy stepped in and is covering the gap. This was eye opening for me and I'm willing to bet MOST OF YOU are underinsured right now. $100,000 liability coverage is a JOKE! My hospital bill for 4 days and two surgeries alone will wipe out $100K easy. Be prepared, get covered, call BOB!