Boat Insurance Claim Denials: Common Circumstances to Avoid

If you own a boat, you need to be aware that there are certain circumstances that can affect a boat insurance claim if you're ever involved in a boating accident, and may allow your insurance company to escape from liability in paying your claim. If you are involved in a boating accident, 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 you operated the board while intoxicated or under the influence of drugs or alcohol, many insurance companies explicitly deny liability for and damages or injuries that result from an accident resulting from these types of conditions; furthermore, they will generally not pay a claim under these circumstances.

Furthermore, if you are involved in a fishing boat accident, yet you have ski boat insurance - the insurance coverage may not pay your claim. Therefore, you should always make sure that your particular boat coverage covers the type of outing you will be engaged in. Furthermore, you may want to consider a general liability policy that will cover you for any boat that you operate or are a passenger on.