I was injured while on a boat. What insurance will cover my personal injury?
| The at fault person’s boat liability coverage pays for bodily injury for which an insured person is legally liable. The bodily injury must be caused by an accident during the policy period and arise from the ownership, maintenance or use of the insured boat. In some states, bodily injury to a family member of an insured person is subject to a sub-limit of $25,000. Some boat liability coverage extends liability coverage to also apply to liability arising out of the ownership or use of a tender (dinghy). Boat liability insurance policies may include an optional coverage known as medical payments that covers medical and funeral expenses for bodily injury for any person injured while in, upon, being towed by, boarding or leaving the insured boat. This coverage is primary for all other persons than family members or the name insured under the boat liability policy. If you (or a family member) own a boat and you suffered bodily injury (while on someone else’s boat (or your boat driven by someone else) and the at fault boat is uninsured, your policy may cover your personal injury. If you are injured on someone else’s boat and the at fault driver has no insurance, the owner of the boat you were in may have an expanded option which extends this coverage to all passengers. If you were injured by a driver of a boat who does not own the boat that he was driving, we may be able to make a bodily injury claim against his/her Non Owned Boat Liability endorsement which adds coverage for the policyholder’s liability for bodily injury arising from the operation of non-owned boats that less than 26′ in length with top speed under 51 mph. Non Owned Boat liability Coverage is excess of any other available coverage. If you were injured in a boat accident in Miami, or within Florida or nearby, contact Lawyer Justin Ziegler at 1-888-JZ-HELPS (1-888-594-3577) for a Free Consultation, Seven Days a Week, 24 hours a day. |
