How to File Boat Insurance Claims

Filing boat insurance claims may not be a priority when you purchase a fishing boat, sailing boat or speed boat.
You are probably thinking about the enjoyment on the water with your family, friends and doing some fishing.
It does not matter if your boat spends time in the water, docked or in storage - it is at risk of damage, theft and other accidents.

Ten Eyck Group can provide advice and answers to all of your boat insurance questions and concerns.

The Top Five Boat Insurance Claims:

Boat theft while in storage.
Boat theft while docked.
Collision with another boat.
Hitting a submerged object
Storm damage

Coverage for a boat – should include boat liability insurance, medical payments coverage, collision and comprehensive.

Examples of Coverage:

Damage to your boat – storm damage - destroys your boat or causes it to sink.
Your boat is vandalized.
Your boat is stolen.
Your boat catches on fire.
You hit  a submerged object – causing damage to the hull.
One your passengers is injured on the boat.
Your engine fails.

When a Claim May be Denied:

Normal wear and tear is not covered. Minor paint damage, scratches and dents are not normally covered.
Property damage  coverage will normally cover most damage to your boat after a collision. Personal items are not usually covered.
Damage from marine life and insects are rarely covered.
Manufacturing  defects are not normally covered; this would fall under your boat’s warranty.
Claims can be denied if they appear to be fraudulent.

What to Do After a Boating Accident:

Handle any type of injuries and contact the authorities if there is any reason to file a police report.
Document the incident and any damage to your boat.  Take photos.
Contact your insurance agent or insurance company to report the incident to them.

Knowing how to file a claim gives you peace of mind.