If Hollis is injured by an uninsured jet ski operator, which coverage may apply under his boatowners policy?

Uninsured watercraft coverage is specifically designed to protect individuals who are injured by operators of watercraft who do not carry insurance. In the scenario presented, since Hollis is injured by an uninsured jet ski operator, this type of coverage would be applicable under his boatowners policy. This coverage would come into play to help cover medical expenses or damages resulting from the incident, helping Hollis to recover costs without needing to pursue the operator personally.

The other options are less favorable or relevant in this context. Suing the operator personally may not be a practical solution if the operator is uninsured and lacks the financial resources to pay any judgment awarded. Not having coverage ignores the protection that uninsured watercraft coverage is specifically designed to provide. Lastly, reliance on health insurance may cover medical expenses, but it does not address broader damages or liabilities stemming from the incident like the uninsured watercraft coverage would.