As the owner of a boat, you enjoy the luxury of having a watercraft to venture the high seas, for a fun cruise around the harbor, or to embark on a fishing expedition with friends or family. Owning a boat can be a lot of hard work, but it is also rewarding to be able to entertain others with the experience of seeing parts of the world that would be difficult to navigate without the use of some type of seaworthy vessel. But you need to also be aware that there are certain circumstances that can affect a boat insurance claim if you’re ever involved in AN accident.
If you are involved in a boating accident, and currently carry a Massachusetts boat insurance policy, your insurance company will carefully evaluate the circumstances that were involved in the accident and make a decision to pay the claim or not, based on those circumstance and any exclusions in your policy.
Potential claim problems for boat insurance
When you file a claim for a boating accident, the insurance company will try to determine if you were following laws and regulations regarding the operation of your boat. If, for instance, you were operating the boat while intoxicated or under the influence of drugs or alcohol, many insurance companies explicitly deny liability for the accident, and any damages or injuries that result from any accident resulting from these types of conditions. By violating these laws you have violated the terms of the boat insurance policy and they will generally not pay a claim under these circumstances.
Carrying the right type of insurance is of the utmost importance
Furthermore, if you are involved in a fishing boat accident, yet you have ski boat insurance, chances are highly likely that the insurance coverage may not pay your claim. Because there is a wide variance in the type of boat insurance coverage that is available, it is difficult to speak in general terms about what circumstances would or would not imperil a claim.
For example, most policies define natural perils as being those physical elements that expose your boat to the risk of loss. These include fire, water, wind and other natural occurrences. To the extent that you are imperiled from filing a claim depends on which, if any, natural peril is covered.
Therefore, you should always make sure that your particular boat insurance policy covers the type of outing you would be engaged in. As a precaution, you may want to consider a general liability policy that will cover you for any boat that you operate or are a passenger on.