Chapter 4: The Legal Requirements of Boating
Personal Flotation Devices (Life Jackets)

All vessels must be equipped with U.S. Coast Guard–approved life jackets called personal flotation devices (PFDs). The quantity and type depends on the length of your vessel, the number of people on board and/or being towed, and where you are boating. The requirements differ if you are on “Waters of Concurrent Jurisdiction” such as Lake Michigan, the Ohio River, and the portion of the Wabash River that forms a border between Indiana and Illinois.

Each PFD must be in good condition, be the proper size for the intended wearer, and very importantly, be readily accessible! Readily accessible means you must be able to put the PFD on in a reasonable amount of time in an emergency (vessel sinking, on fire, etc.). PFDs should not be stowed in plastic bags or in locked or closed compartments, and they should not have other gear stowed on top of them.

Vessel operators should ask everyone on their vessel to wear a PFD whenever on the water. PFDs can save lives, but only if they are worn!

PFD Requirements

All vessels must carry one wearable (Type I, II, III, or V) USCG–approved PFD for each person on board or being towed.
In addition to the above requirement, vessels 16 feet in length or longer must have one Type IV USCG–approved PFD on board and readily accessible.
All PFDs must be in good and serviceable condition and be readily accessible. The PFDs must be of the proper size for the intended wearer. Sizing for PFDs is based on body weight and chest size.
Each person on board a personal watercraft must wear a PFD.
All persons being towed behind a vessel on water-skis or any other device must wear a USCG–approved PFD. Ski belts are not USCG–approved.
In addition to the requirements above, on Waters of Concurrent Jurisdiction:
- A child under 13 years of age must wear a PFD except when the child is below deck in an enclosed cabin or the vessel is docked or at anchor.
- Anyone towed on water-skis, a surfboard, a kite, or similar device must wear a Type I, II, or III PFD (Type V PFDs are not approved for these activities)

PFD Descriptions	Illustrations
TYPE I: Offshore Life Jackets These vests are geared for rough or remote waters where rescue may take awhile. They provide the most buoyancy, are excellent for flotation, and will turn most unconscious persons face up in the water.
TYPE II: Near-Shore Vests These vests are good for calm waters when quick assistance or rescue is likely. Type II vests will turn some unconscious wearers face up in the water, but the turning is not as pronounced as with a Type I.
TYPE III: Flotation Aids These vests or full-sleeved jackets are good for calm waters when quick assistance or rescue is likely. They are not recommended for rough waters since they will not turn most unconscious persons face up. Type III PFDs are used for water sports such as water-skiing. Some Type III PFDs are designed to inflate when you enter the water.
TYPE IV: Throwable Devices/Not Wearable These cushions and ring buoys are designed to be thrown to someone in trouble. Since a Type IV PFD is not designed to be worn, it is neither for rough waters nor for persons who are unable to hold onto it.
TYPE V: Special-Use Devices These vests, deck suits, hybrid PFDs, and others are designed for specific activities such as windsurfing, kayaking, or water-skiing. Some Type V PFDs are designed to inflate when you enter the water. To be acceptable, Type V PFDs must be worn and used in accordance with their label.