Important things to do in the event of a loss
- Prevent further damage. If the vessel or other covered property is damaged, you must take all reasonable steps to mitigate any further damage to take place.
- Notify the police or local authorities. If your property has been stolen or vandalized, you must immediately notify the police and file a police report.
- File a Boating Accident Report. You maybe required under federal law 33 CFR 173.55 to file a Boating Accident Report withthe United States Coast Guard if
- a person disappears from the vessel under circumstances that indicate death or the person maybe injured (If a person is found with injuries and the operator did not file a report, criminal charges maybe filed); Injuries that require professional medical treatment beyond basic first aid must be reported immediately. A formal report on a U.S. Coast Guard Boating Accident Report form must be filed within 48 hours of the accident.
- Damage to the boat and/or property damage that exceeds $2,000USD (amounts vary for local reporting based on state laws; this applies to the amount required to file a report with the Coast Guard). A formal report on a U.S Coast Guard Boating Accident Report must be submitted within 10 days of incident.
- Immediate notification is required for fatal accidents. If a person dies or goes missing as a result of a recreational boating accident, the nearest state boating authority, along with the Coast Guard must be notified without delay.
Please Note: Some U.S states may require that all boating accidents be reported immediately. Check with the local marine patrol or the Boating Law Administrator in the state where the accident occurred for the reporting procedures that apply.
Information needed to file a claim
When you file a claim, you’ll need to provide the following information:
- Name, address, phone number and email address, of person reporting claim
- Policyholder’s name and policy number
- Vessel operator/passengers/guests
- Injured parties
- Date and time of loss
- Loss location
- Facts and circumstances
- Nature of damage or injury
- Vessel(s) involved
- Equipment/personal property
- Current condition of vessel
- Description of loss- how did it occur?