Filing boat insurance claims may not be the top priority when you buy a fishing boat, sailing boat or speed boat. Most likely you are thinking about the enjoyment of the water, fun with friends and family, and maybe catching some fish. No matter if your boat spends more time on the water, at the dock or in a storage facility, it is at risk of damage, theft and other accidents. Knowing how to file a claim when the unexpected happens can give you peace of mind.
The first step is to find a knowledgeable agent who can provide advice and answers to all of your boat insurance questions and concerns. Member agents in the Trusted Choice® network are available to help you get the information you need and to help the claims process go smoothly.
If you are at fault in a boat accident, the other party involved will file the claim against your boat liability policy. Under any other circumstances, whether you should file a boat insurance claim depends on your boat insurance coverage. For example, if you have a liability-only policy, and your boat is damaged in a storm, your claim will likely be denied because you do not carry comprehensive insurance.
Assuming that you have a package of coverage including boat liability insurance, medical payments coverage, collision and comprehensive coverage, you should file a claim under any of the following circumstances:
Whether you have your claim denied or processed can depend on whether you have coverage in place for that claim or whether there is a specific exclusion for the incident in question. Every insurance policy has exclusions. Here are a few examples:
Claims can also be denied if they are believed to be fraudulent. Therefore, it is important to collect accurate information and document the incident any time an accident or damage occurs while you're boating, or if something happens that causes harm to you or one of your passengers.
If you are involved in a collision on the water, or another boater causes damage to your property, to you or your passengers, there are certain steps you will need to take to file a boat insurance claim. The first step after an accident, of course, is to handle any injuries and contact the authorities if you feel there is any reason to file a police report.
Once you have addressed any immediate problems, be sure to take the following measures in order to prepare for the claims process:
Independent agents in the Trusted Choice network are based in over 27,000 member locations nationwide. These agents can provide you with boat insurance quotes and answer any questions you may have. Find a member agent today and get the help you need.