That is the worst thing happened to you. I would suggest you to choose a right insurance company, which could help you. You cannot put a value to your life, but when it comes to choosing an insurance company you have got to do some number crunching at right price

It is always a question of selecting right insurance at right price. If you cause damage or injury, you could be liable for tens or even hundreds of thousands of dollars in repairs or medical treatment

Does it come with the insurance?

The liability section, often known as Protection & Indemnity, addresses your legal responsibilities to other parties. As a result of your boat’s ownership or operation, you may be held liable for bodily harm or death, as well as property damage to others. If you are sued for an incidence that is covered under your boat insurance policy, liability coverage can also assist pay for your legal defense.