Negligence and Boat Crashes
Boating is a national past time among many Americans. During the hot summer afternoons, we escape to the coolness of local lakes and ponds. But with so many individuals on the water, is it possible to keep safe from boating crashes?
In 2005 alone, 697 fatalities and 3451 injuries were caused by recreational boating accidents, which are accidents occurring in any type of watercraft (motor boats, sailboats, inflatables, or houseboats). A negligent boating operator who is found to be at fault will most likely pay for damages, which can include property, medical, lost wages, pain and suffering, and punitive damages.
Types of accidents
According to the Coast Guard Recreational Boating Accident Report Database, boating accidents must be reported if:
. Death was a result;
. Injury required medical treatment beyond first aid;
. Damage to the vessel or other property was $2000 or more; or
. Vessel was not repairable.
Collisions with another boat or with fixed objects such as a marina dock; capsizing, and passengers falling overboard account for approximately 58 percent of all boating accident fatalities. Contact with the propeller, water skier mishaps, explosions, and fire also contribute to the types of boating accidents that occur on our waterways. Moreover, statistics show that 70 percent of fatal boating accident victims drowned mostly because they were not wearing a personal floatation device (PFD) or life jacket. Trauma is the other leading cause of death in boating accidents.
Cause and effect
Negligence in a boating accident can be attributed to a careless or reckless operator whose lack of knowledge of basic boating safety rules, disobeying safety laws, or alcohol use cause these unfortunate fatalities. Alcohol and the open water can be a dangerous combination.
The motion of the boat, sun, wind, and spray accelerate impairment. Boating under the influence (BUI) can in some cases be more dangerous than driving under the influence (DUI) because many boaters have less experience maneuvering a boat than a car. Some of the most common accidents occur because of alcohol consumption, which severely impairs judgement, reactions and coordination of a driver.
Staying Safe on The Water
Here are a few tips to stay safe on the water:
. The U.S. Coast Guard Auxiliary offers boating safety courses, which are imperative for a boat owner to take. These clsses are also available on CD;
. Know the maximum capacity of the vessel and resist overloading it with passengers or gear;
. Every passenger on the boat should be wearing a life preserve jacket, but if they refuse, you must at least have a life jacket available on board for all individuals.
Adults do not have to wear the PFDs while on board, but must be able to access them easily. It is imperative that all children wear life jackets while on board, but each state defines what the age limits are for requiring life jackets. And, if you are operating a vessel 16 feet or longer you must have a throwable PFD;
. Have a fire extinguisher on board (mostly applies to larger boats);
. Get a free vessel safety check;
. Watch for potential threats at a marina such as loose boards, uncoiled rope, leaky hoses, and faulty gas pumps; and
. Wear non-slip shoes and encourage your passengers to do the same.
What to do if involved in a boating accident
A boating accident must be reported if it meets any of the criteria mentioned above in this article. The Coast Guard as well as all additional state agencies that regulate boats must be alerted in the event of an accident. Additionally, a boat insurance company should be contacted. State liability laws and measures can be quite confusing after a boating accident, which is why it is advisable to speak with a boat-crash law firm that has experience with similar situations and cases. Courts will examine the cause of the accident, whether the vessel malfunctioned, the degree of carelessness by the operator, and the carelessness of the victim before determining fault. And finally, if you are injured in a boating accident, seek advice from an experienced personal injury lawyer.
Boat Insurance Tips
The Search for Cheap Auto Insurance
Auto insurance is like anything else, in that you should take time to get quotes on your options every now and then. The world is a dynamic place, and although the company you have your car insurance with right now might have been your best option 5 or 10 years ago, that is no guarantee that they are still your best option today.
In the same sense that you should check your home insurance options, your cable TV options, and various other things periodically, it can pay big dividends for you to check all these things occasionally, and auto insurance is certainly not an exception to this rule. You may find that you already have the most cost effective option out there right now, which is fine, but then you can rest easy knowing that you have done your due diligence.
First of all, you need to make sure you are comparing apples to apples when you are comparing auto insurance quotes, and this critical step is where a lot of people mess up by not doing a valid comparison. For example, if company A is quoting $500 a year and company B is quoting $600 a year, that fact in and of itself tells you nothing at all. In this example, digging deeper finds that company B is also including collision insurance which company A is not providing, and company A has a ceiling of $150,000 on the personal liability portion whereas company B has a ceiling of $300,000 on personal liability. Now with these facts in hand, which one is a better option? Are you beginning to see how you need to make sure you are comparing the SAME thing in order to find out which one has the best pricing?
Things change over time, and you need to make sure you are not insuring more than you should, which is costing you money. For example, maybe your current policy includes collision coverage. But contrary to when you were still making car payments, the car is now paid for and you no longer need to carry collision insurance. If you drop collision coverage, your insurance rates will drop dramatically.
Five years ago, maybe you were also providing coverage for one or two of your kids to drive the car, but today, both of your kids are over age 25 and are off on their own. Did you ever contact your insurance company to let them know? You are paying a severe premium for having under-25 drivers use your car, but if that is no longer the case, be sure to let your insurance company know about it, since that will save you a bundle.
How many insurance policies do you have? You probably have car insurance, home insurance or renter's insurance, flood insurance, perhaps boat insurance, probably life insurance, and maybe even more. Do you have those insurance policies spread out over various companies? If so, you should investigate getting all those policies with the same insurance company, since many insurance companies give sizeable discounts if you have multiple different policies with them.
Lastly, getting an auto insurance quote online does not guarantee that it will be the best or cheapest option for you, but it is certainly worth checking. At our web site, you can get a free auto insurance quote online so that you can compare the insurance rates you are being quoted from your current provider. There is no sense in paying more than you need to, and the money you save can certainly be put to good use!
Boat Insurance Tips
8 Must Knows About Recreational Boat Insurance
Recreational boats are owned by many and just as cars are covered by insurance recreational boats too need insurance that protects the boat and its owner from many unforeseen happenings; accidents, natural disasters, willful damage and more.
Most insurance companies offer insurance policies for recreational boats. And these are mainly two kind’s boat policies and yacht policies. Boat policies are general with few options while yacht insurance policies have greater range of options. As a recreational boat owner you need to know which marine craft are classified as recreational and what kind of insurance cover you will need to protect your investment and passion.
Here are a few guidelines:
1. When buying insurance buy from a recognized company. You can buy recreational boat insurance online too but while attempting to save money make sure you get dependable and comprehensive coverage. General boat policies offer P&I coverage of approximately USD 500,000 maximum.
2. When buying a recreational boat find out what costs of maintenance and insurance will be. For example new boats are cheaper to insure and wooden boats and high speed vehicles are expensive. Similarly diesel powered boats cost less in terms of insurance than gas powered boats.
3. Insurance rates are lower if you ensure that all safety regulations/norms are taken care off.
4. Many insurance companies offer competitive rates if you have other policies with them like home, health, or auto. So the first step when buying a recreational boat policy is to check with your existing insurance carrier.
5. Find out the advantages of higher deductibles and payment of annual premiums. Always check online what is on offer as far as recreational boat insurance is concerned.
6. Update your knowledge on what comprehensive boat insurance should contain. Find out what physical damage and liability mean. As a recreational craft owner you need to take informed decisions when purchasing boat insurance.
7. Take the help of an insurance expert to decide on whether agreed value is better or actual cash value. It is important to understand what insurance terminology means before purchasing an insurance policy for a recreational boat.
8. Always read the policy in minutest detail and understand it completely. An insurance policy must work to your advantage and so it is important for you to know what you are paying for.
The World Wide Web has articles and tips on marine insurance written by experts as well as boat owners. Be an informed boat owner and keep abreast about boats, insurance, and savings. Follow the law and maintain your boat well. Take recommended courses and ensure that your boat driving record is above reproach. Small steps will ensure that you are eligible to buy recreational boat insurance at great discounts.
There are recreational boat owners associations like Boat US that offer tips and other facilities to members. Always comparison shop this will give you great advantages. There are websites for buying boat insurance that have online tools that will give multiple quotes and well as easy comparison. Make use of such directories /platforms online and you will be able to get the best insurance coverage for your recreational boat.
Boat Insurance - The ABCs Of Online Boat Insurance!
What is Boat Insurance ?Your boat insurance policy is necessary to cover the costs of damages in the event of an unfortunate accident. This includes damages to equipment or human life, of your own, or of a third person involved in the accident. It is important to carefully examine the terms of your Boat insurance to ensure maximum cover. If the cover is not enough, you may end up spending a lot of money in case of an accident, or when your boat needs to be towed under repair.
Buying boat insurance involves understanding the various insurance schemes and talking to a service representative to help you decide on the best insurance for you. The insurance company would give you a quote on the insurance of your choice and provide you the insurance cover once you pay for it. Insurance may be bought online in the Internet or through a sales representative of an Insurance company. Each has its own advantages and disadvantages.
Advantages of purchasing insurance Online
Buying insurance online for your boat is very easy. The first step in buying insurance online is filling a form on a web-page to provide all the required information on your boat. The insurance company would like to know the extent of coverage you are looking for, the place where you store the boat and the conditions under which you use it. Once you submit the information online, the insurance company would consider your inputs and give you a quote.
You may have to do a similar exercise with the websites of different insurance companies to get different quotes. Once you get a quote, you may decide to pay online and get your insurance cover immediately. Online purchase of insurance eliminates the need to do a lot of paper work. Most insurance companies offer a discounted price for online purchase. Once your cost is paid, you would be able to print a temporary insurance until the permanent one is issued by the company.
Online insurance buying is quick, easy and appropriate if you are a repeated buyer of insurance. That is, if you already own boats and are familiar with the insurance terms. In online buying, you don't really get to know many details on the insurance and it is experience that helps in deciding the right kind of insurance.
Disadvantages of buying insurance online
Perhaps the biggest disadvantage of online boat insurance is that very little information available online. You would need the help of an insurance advisor or customer service to understand the terms of the policy. This is even more necessary if you are owning your first boat as you need to ask a lot of questions to ensure that your policy is good enough. Though buying boat insurance online is quick, it is not detailed.
It would not help you to buy insurance online if you didn't know much about the insurance company selling you the policy. You wouldn't want to miss out on vital terms of coverage and for this it is important that you know the Company and its selling practices.
Not having to view all options available for comparison is another disadvantage of online insurance buying. At best this can be achieved only by a tedious way of filling loads of information in websites of different insurance companies.
Summarily, online purchase of insurance is cheap, quick and offers a gamut of advantages to the experienced buyer. If you are first time boat insurance buyer, it would do a whole lot good to pick up your phone and call customer service.
Boat Insurance Tips
Thinking Of Getting Boat Insurance?
Boat insurance can be obtained from several sources. Do your homework before buying your boat insurance, but be certain that you get it. Exhibitors as mundane as boat insurance agencies and safety equipment dealers share floor space with custom yacht decorators and sea kayak dealers.
Needless to say, a company which knows everything about the potential risks and dangers involved in boating will be able to serve you better by helping you determine what type of boat insurance coverage you need. You can find affiliate programs devoted to health insurance, auto insurance, boat insurance, long-term care insurance, and many more. A few minutes later you will receive an estimated quote for your boat insurance.
If you are interested to learn a little more about boat insurance online quote
you are welcome to visit my website. There are many different kinds of insurance companies which are more than eager to sell boat insurance policies to you. Having a boat insurance means you are protected from such kind of dangers.
This is where a boat insurance online quote can really make a big difference. It's a good idea to get boat insurance quotes when you have decided on the make and model of the boat, or when you are ready to purchase. Finally, before you complete the deal, it is highly recommended you have comprehensive boat insurance in place.
This really is one of the best ways to receive a quote for boat insurance. Boat insurance carriers had five times the number of claims in California as in Alaska, Maine and Michigan combined. Various types of boat insurance are also available and many boat loan companies will insist that you take out their own boat insurance as part of the boat loan requirements.
But how do you know which type of boat insurance will be the best for you. If waiting is not a problem then there is no reason why you should not be able to get a decent boat insurance quote. There is one way to know which boat insurance deal is best for you, and that is by learning how experienced the insurance company is with regards to boats.
You should also check with your boat insurance company to see if they have regulations that may affect your coverage. Here's an example: Since you live in Nebraska, boat insurance probably isn't your main livelihood, or flood insurance either, so most of your customers probably don't know you can get these kinds of coverage for them along with their tractor insurance. Also, agents that specialize in boat insurance will be able to help you understand any language specific to boats that you may not be familiar with.
Basic improvements to your boat insurance rate are not all that hard to accomplish. Personal boat insurance is essential for boat safety and security. Now boat insurance and licensing fees aren't the reason somebody gets a boat, unless they are a masochist, but it is an important part of boat ownership.
Cheap Boat Insurance - Find the Best Low Rate Policy - Find Great Coverage
If you own a boat it may be one of the largest purchases you have ever made, therefore it should be adequately protected. If you own a boat and have an accident then you will be responsible to pay for your own repairs as well as any damage you may do to any other boat. This is the reason you need to have boat insurance. Boat insurance operates in a very similar manner to any vehicle insurance you may have.
Learn how to find: Discount Boat Insurance
The fear of having your boat vandalized or stolen is very prevalent in todays society. If you do not have the proper insurance coverage that can cause you a lot of unnecessary grief and this is the reason to have a good policy with adequate coverage. Insurance for your boat may not be cheap, but if you own a boat you must factor the cost of insurance into your monthly boat expense.
Get some Advice about: Types of Insurance
To find good insurance I recommend that you work with an agent that you trust and that is also familiar in writing coverage for a boat. If you do not have an agent you can look on the Internet but be careful and don't choose the first coverage that you find. Get multiple quotations on rates and check very carefully the deductions and exclusions. Remember that the cheapest policy you find is not always going to be your best choice because you want the right coverage.
Do keep in mind when signing up for insurance to be honest about the condition of your boat and its value because if you lie about these facts the insurance company upon inspection will realize that your boat is not worth as much as you said and they may not want to insure you or if they do you may get overcharged.
Owning a boat can be a lot of fun so just make sure that you have adequate coverage to protect yourself against any unforeseen disaster with your boat.
Boat insurance - Salvation Or Devastation?
Here is a true story of a dream gone badly. Owning the Ranger Z22 Comanche Bass boat was a long cherished dream for them. They saved and envisioned the day they would be the proud owners of it. Finally after many years, that day came. They bought the boat of their dreams, all 22 feet, 300 horsepower of happiness. They were anxious to go to Lake Sinclair in Georgia to christen their new boat, but they knew the needed to take care of a very important matter first, boat insurance. They wanted to protect this dream and themselves from harm.
Their local boat insurance agent stated they needed guest passenger liability, property damage, bodily injury, theft, medical payment coverage along with coverage for physical loss. Now he is the boat insurance expert so no need to question, right? Well turns out they should not have been in such a hurry to enjoy their new boat and taken some extra time out to protect it.
Taking solace in the fact their life long dream was protected from damage or accidents, they proceeded to enjoy the dream that had turned into a reality. A rude awakening was about to happen. They lived near the ocean in Georgia. Severe storms are not common in the early summer months, but the ones that do occur are very severe and damaging. They found themselves hit by a powerful hurricane. Their dreamboat, the cover, trailer, and other equipment were all destroyed. They called their boat insurance agent and their world turned upside down. They found out after many unanswered phone calls and a visit that they did not have the coverage that they needed to replace their lost dream.
Now after experiencing the fury of a hurricane and the loss of a boat, they came face to face with the reality that a dream was lost and no hope of immediate recovery or for that matter recovery in the near future. Their boat insurance provider did not advise them about an option of 'natural disaster coverage'. This coverage was not standard with the company they chose. Then to top it off, they found out that nothing else was covered. The trailer, cover, fishing equipment, and other articles in the boat were also lost for good. This was also an optional coverage, and again was not mentioned or suggested.
The reason that we bring this story to your attention is to point out the importance of researching boat insurance policies and brokers. Even after you chose a broker, you need to discuss all the details of a policy to assure that your dream does not become a nightmare. By taking the necessary steps and finding a top boat insurance agent, you could possibly save money. Some will offer discounts for taking safe boating courses, if it has, a diesel engine could be some savings as well.
A few things that are essential, to completely protect your prized boat. You want to have a boat insurance coverage that will provide wreck and emergency removal services. Be sure it covers your equipment, motor, trailer, and of course the boat. Also, be sure of natural disaster coverage no matter where you live. All areas of the country have natural disasters like floods, fire, hail, tornados, lightening and windstorms. You also want to be sure you are covered for acts of vandalism or explosions
It can be an exciting time on the water with that boat of your dreams. You worked hard to make the dream come true. Do not let it turn into a nightmare by not having an adequate boat insurance.
Boat Insurance-An Essential Part of Boat Ownership
If you are considering a personal boat purchase, such as a cruiser, a fishing boat, or any other type of boat, you will want to incorporate insurance into the overall cost of the boat. Its a good idea to get boat insurance quotes when you have decided on the make and model of the boat, or when you are ready to purchase. Personal boat insurance is essential for boat safety and security.
The first place to start is with your current auto or homeowners insurance company . A separate policy is best for a boat, because you don't want your liability or premiums tied into your home-owner's policy. You can always sell your boat if the insurance is too expensive, but it is much more difficult to do that with your home. However, if you have your different policy lines with the same company, than you may get more of a discount. After you've gotten the initial quote, you can shop around for comparison quotes before you make your decision.
Similar to auto insurance, boating insurance covers liability to others, and physical damage to the vehicle itself. In addition, there is also additional types of coverage you can add to your policy. If you have a newer boat, or have a lienholder on the boat, you will want or may need to include physical damage coverage on your policy, which covers damages to the hull, parts and machinery of the boat. Agreed value is a type of policy where you and the insurer agree on the value of the boat, usually based on the purchase cost. If there is a loss, the insurer already knows how much to pay for the total loss of the boat. With this type of policy, its important that you keep documentation for the value of the boat.
Another type of physical damage policy is similar to auto insurance, where the insurer pays what the boat was worth at the time of loss, or the actual cash value of the boat. This type of policy factors in depreciation, and is usually less expensive than an agreed or stated value policy. However, you may get less then you would in the event of a boat loss.
Your policy will also include liability, which will protect you if you hit another boat, or someone in the water. You want to make sure your liability limit is high, so you will be fully protected in case of an accident. You will also want to include medical payments, which will cover any passengers on your boat who are injured.
Other essential items in a boat policy are emergency services, such as towing coverage, which provides coverage if your boat has to be towed back to shore because of an accident, and also boat recovery. If your boat has sunk, and has to be brought up to the surface, that type of service can be very expensive, and you want to make sure its covered in your policy. You may also want to consider additional coverage for any extra equipment on board, such as fishing gear and tackle, as most policies have a coverage limit for personal items.
Personal boat insurance is a necessity, and should be incorporated into the overall cost of boat ownership. By comparison shopping, you can usually get a good deal on comprehensive insurance. Its better to have the peace of mind that proper insurance provides, so you can truly enjoy yourself when you take out your boat.