Have you ever wondered how boating accidents are handled if one of the vessels lacks insurance coverage? Rest assured, you are not alone. It is a common question that arises among those who spend time on the water.

HighPointe Insurance Services LLC has all the boating accident insurance information you need.

Prepare for the Worst

Accidents are a fact of life. The more time you spend on the water, the greater the chances are that you’ll be struck by a boat or another object.

Though most boaters have insurance, some are underinsured or not insured at all. If the other boater does not have insurance, you’ll be forced to find other ways to obtain compensation.

Though filing a lawsuit for damages to your person, passengers and the boat itself is possible, you can also file an insurance claim. There is also a chance the insurer will pursue legal action against the uninsured party in Overland Park, KS after the claim is filed.

Insurance Saves the Day

The moral of the story is that boat insurance is essential for everyone who takes the water. If you are struck by another boat or object and lack insurance, you’ll find the path to justice is challenging.

Though filing a claim on your insurance after an uninsured boater strikes your vessel might raise your rate, it is worth it. What matters most is that the damages are paid for and you return to the water as soon as possible. The happy ending is that much easier with the right insurance.

Review Your Boat Insurance Policy

Take a close look at your boat insurance policy today. Read through the language to see if there are first-party benefits that cover damage inflicted during accidents, bad weather and other incidents. The coverage might also extend to injured boat operators and passengers.