As a Pennsylvanian, do I need marine insurance? Is it required or is it only recommended? These are common questions for boat owners in the state of Pennsylvania. In Pennsylvania, marine insurance is highly recommended. It is often referred to as boating insurance by insurance companies. Once you obtain insurance, the objective is to have coverage for damage or accidents.
We at Freundlich & Littman, LLC are your marine insurance claim attorneys. We are here to help you through the process. Pennsylvania and New Jersey are home to many great fishing spots. If you carry insurance on your boat, you should receive full compensation for any damage. If not, contact us today. We are here to fight for you.
Pennsylvania Marine Rules
In the state of Pennsylvania, you need to register any motorized water vessel. This includes yachts, fishing boats, and jet skis. You must register it with the Pennsylvania Fish and Boat Commission.
Be careful. You need to make sure you also register any non-motorized fishing boat if used at a state park lake or a body of water owned by the Pennsylvania Fish and Boat Commission.
The Pennsylvania Fish and Boat Commission requires that any operator of a boat carry a Boating Safety Education Certificate. The Commission issues the certificates to those that pass their class. While operating a watercraft, boaters must carry the Certificate. The certificate is good for life. You should carry the certificate on hand while operating a motorized water vessel.
Even though Pennsylvania does not require you to have boating insurance, it might be a requirement if you owe money to a bank for your boat. Likewise, certain marinas or docks may need you to carry insurance before you receive permission to dock your boat there.
What Can I Expect In A Marine Insurance Policy
Marine insurance policies tend to have it all, including the kitchen sink. It makes sense, as boats typically sit unattended at a marina or a dock. Otherwise, a boat sits in storage during the colder months. Marine insurance, therefore covers things like natural disaster damage, theft, coverage for accidents, and other intentional and unintentional acts upon your property.
Due to the nature of a boat and other similar vessels, it is important to have an insurance policy that will provide wide coverage with larger payouts in case of an insurance claim. An accident, even if unintentional, can lead to high costs if you do not carry marine insurance. Insurance is a good idea to protect against financial ruin.
What Do I Do If I Was In A Boating Accident?
Accidents involving boats, ships, or other motorized water vehicles are similar to accidents on dry land. This means that the procedure is the same. After an accident, you might worry about your legal rights and responsibilities. First, contact legal representation to understand where you stand.
Immediately following the accident, make sure to seek medical care if needed. If the boating accident involved other people or property belonging to others, call the police. A police report is an essential piece of evidence required by many marine insurance companies. Any further evidence will be helpful to your insurance claim. This means that it is time to get out your camera and take pictures of the damage, especially following a storm. In addition, follow the guide of your legal counsel regarding your actions and preservation of evidence.
Making A Claim To Your Insurance Company
The insurance claim process for a boat is relatively simple. Whether by phone or online, you file the claim with your marine insurance company. All insurance companies have fraud detection policies in place. Boats and other aquatic vessels are susceptible to fraud; therefore, boating insurance claims may need to pass through stricter guidelines.
The best policy is to be as honest as possible. If you are unsure of how to proceed, contact your marine insurance claims attorney before speaking to them. After speaking with them, you should hear back after a reasonable time. Insurance companies may not unreasonably delay your marine insurance claim. Keep in mind that a natural disaster may cause some delays.
What Should I Do Next?
If your marine insurance company does not offer you a settlement in accordance with what you need, do not agree to it. Before agreeing or denying an offer, seek the advice of legal counsel. You deserve a dedicated and professional marine claims team behind you. We can help you.