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Seatow will follow you also. As long as you are on another boat, or running another boat Seatow will cover you. UNLESS, the owner of the boat is present and that person does not have coverage.
So, you borrow a buddies boat, Seatow will cover you, but if your buddy is there also and he doesn't have coverage, they won't cover you. Can't blame them for that, they don't want to pay for a nonmember.