[phatdaddy]

As I understand it, the difference is in how they are repaid. With Boatus, your fee goes into an insurance pool and when you recieve a tow, the local operator bills the pool and is paid by the national org. With Seatow, the local operator gets the majority of the money up front and hopes you never call him. If you do call him, he will be quicker to declare it a salvage instead of a simple ungrounding. With salvage, he is able to bill for a lot more(50% of the value of the vessel). I think if all you need is a tow, you should go with who has the stronger presence in the water you boat in. I choseTowboatus because of what Skool said, I have 2 boats and they cover which ever one I am on. Towboat covers the person, not the boat.