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How to file a boat insurance claim

How to file a boat insurance claim

A boating incident or accident can happen anytime. For your peace of mind, you should get boat insurance coverage against accidents, damage, or theft.

What if you’ve hit another boat? You’ll need to file an insurance claim. Filing a boat insurance claim after hitting another boat involves several steps. You’ll need to have all relevant information at hand.

Here’s a guide to help you through the process:

1. Ensure safety
• Check for injuries
: Make sure everyone is safe. If there are any injuries, call for medical assistance immediately.
• Move to safety: If possible, move both boats to a safe area to prevent further damage or accidents.

2. Exchange information
• Details
: Exchange names, contact information, and insurance details with the other boat owner.
• Witnesses: If there are any witnesses, collect their contact information as well.

3. Document the incident
• Photos and videos
: Take clear photos and videos of the damage to both boats, the accident scene, and any other relevant details.
• Notes: Write down the date, time, location, and a description of what happened. Include any relevant weather or water conditions.

4. Report to authorities
• Local Authorities
: Depending on the severity of the accident, you may need to report the incident to local maritime authorities or the coast guard.
• Accident Report: Some areas require a formal accident report to be filed.

5. Contact your insurance company
• Notify Insurer
: Contact your boat insurance company as soon as possible to report the incident.
• Provide Information: Be ready to provide all the collected information, including details of the accident, photos, witness contacts, and the other boat owner’s information.

6. Complete claim forms
• Forms
: Fill out any claim forms provided by your insurance company. Be thorough and accurate with the information you provide.
• Supporting documents: Attach all supporting documents, such as photos, witness statements, and the accident report if applicable.

7. Cooperate with the adjuster
• Inspection
: An insurance adjuster may need to inspect the damage. Cooperate fully and provide any additional information or documents they request.
• Estimates: You may be asked to get repair estimates from approved service providers.

8. Follow up
• Regular updates
: Stay in touch with your insurance company to get updates on the status of your claim.
• Keep records: Maintain a record of all communications and documents related to the claim.

9. Repair and settlement
• Approval
: Once the claim is approved, follow the insurance company’s instructions for getting the repairs done.
• Payment: Depending on your policy, the insurance company will either pay the repair shop directly or reimburse you for the expenses.

By following these steps, you can ensure that your boat insurance claim is handled smoothly and efficiently.

Western Financial Group’s boat insurance experts are available 24/7 to guide you through the process.