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How To File A Boat Insurance Claim in Texas

How To File A Boat Insurance Claim in Texas

Boating can be a fun and exciting activity. It is a popular pastime in Texas with its many lakes and waterways providing ample opportunities for outdoor recreation. However, as enjoyable as it is, it also comes with certain risks because accidents can happen on the water.

To protect yourself from the damages these accidents can cause, a comprehensive boat insurance policy can shield you against the serious financial liabilities arising from a loss.

damaged boat

That means you won't have to worry when such an accident happens because your insurance company will be right there to recover your loss after filing a claim.

However, it is also important to note that, even when you understand your insurance policy and everything it covers, some insurance companies will still look for ways to delay or deny your claims. So if that ever happens, know that there's help available.

At our Texas "Voss Law Firm", we have experienced attorneys that are willing to do whatever it takes to help you recover your loss. They'll assist you till you get every compensation you deserve. All you have to do is to reach out to us at 1-888-614-7730 for a free consultation.

Now, let's take a look at the processes involved when it comes to filing a boat insurance claim in Texas.

Filing A Boat Insurance Claim in Texas

If you find yourself in a situation where you need to file a boat insurance claim in Texas, these are a few key steps you should follow:

1. Report To Your Insurance Company Immediately

The first step in filing a boat insurance claim is to contact your insurance company and report the accident. You should do this as soon as possible because most insurance companies have time limits for filing insurance claims. This means that waiting too long to submit the claim could cause delays in the claims process or even lead to a denial of your claim.

Before calling your insurance company, make sure you have your policy number and any other vital information ready. Be prepared to provide details about the accident, including the date and time it occurred, the location, and any other relevant information.

If the accident involved other boats or property, you should also provide the contact information for the owners of those properties.

2. Gather Documentation Regarding The Accident

The next step to take is to document the damage to your boat. This documentation will be essential in helping your insurance company assess the extent of the damage and determine the appropriate compensation.


To document the damage, take photos of your boat from multiple angles. Be sure to capture every visible damage, such as scratches, dents, or broken parts, as well as any areas of the boat that may have been impacted such as the hull or the propeller.

If other boats or property were involved in the accident, take photos of those as well. If possible, get the contact information of any witnesses who may have seen what happened. This information can be useful in case your insurance company needs to investigate the accident further.

3. Provide Additional Information

After you have reported the accident to your insurance company and documented the damages, they may ask for additional information to help them assess the damage and determine the appropriate compensation. This may include a copy of the police report if one was filed, as well as any other documentation related to the accident.

Your insurance company may also send an adjuster to assess the damage in person. The adjuster will inspect your boat and determine the extent of the damage and the cost of repairs or replacement.

4. Work With An Experienced Attorney To Pursue Your Claim

Working with an experienced attorney can be an excellent option for pursuing your boat insurance claim in Texas, especially if your claim is complex or involves significant damages. An attorney can provide legal guidance and support throughout the claims process, helping you understand your rights and options, and ensuring that your claim is handled efficiently.

An attorney can also help you negotiate with your insurance company if you feel that the settlement offer is insufficient, or if your insurance claim is denied. In some cases, an attorney may need to file a lawsuit on your behalf to recover the compensation you are entitled to under your policy.

When choosing an attorney to represent you in your boat insurance claim process, it's essential to find someone who has experience handling similar cases. Look for an attorney who specializes in maritime law or boat accidents and has a track record of successfully resolving claims for their clients.

5. Consider Your Long-Term Needs

If your boat has sustained significant damage or is a total loss, you may need to purchase a new boat or make significant repairs to your existing boat.

If you need to purchase a new boat, you must ensure that your insurance policy provides adequate coverage to meet your long-term needs. This may include coverage for additional equipment or accessories, increased liability limits, or coverage for other types of watercraft

Alternatively, if you plan to make significant repairs to your existing boat, you must also ensure that your insurance policy covers the full cost of the repairs, including any potential additional costs that may arise during the repair process.

How To Reduce The Damage or Loss from A Boat Accident

Taking steps to reduce the damage from a boating accident is an essential part of the claims process, and can help to reduce the overall cost of repair. The priority after a boating accident is to ensure the safety of all passengers onboard. If anyone is injured, seek medical attention immediately. If possible, move the boat to a safe location to prevent further damage or accidents.

Once everyone is safe, secure the boat to prevent it from taking on more water or sustaining further damage. If the boat is taking on more water, use a bilge pump or manually pump out the water.

After that, report the accident to the appropriate authorities, such as the Texas Parks and Wildlife Department or the U.S. Coast Guard, depending on the location of the accident.

The next thing is to contact your insurance company to report the accident and initiate the claims process. Your insurance company will guide you on how to proceed and may send an adjuster to assess the damage and determine the cause of the accident.

Lastly, take steps to prevent further damage to the boat like covering any exposed areas to prevent rain or debris from getting inside. If the boat is not seaworthy, consider having it towed to a repair facility. The faster you take action to minimize damage, the more likely you are to limit the cost of repairs and other expenses associated with the accident.

rescued boat

When To Contact Our Texas-Based Attorneys

If you encounter challenges during your boat insurance claims process, or if you are having difficulty getting your insurance company to pay for the damages to your boat, you should seek the help of an insurance claim attorney.

At Voss Law Firm, we have experienced attorneys that are always ready to help policyholders recover their losses. They'll fight for you till you get every benefit you deserve. Quickly call us today at 1-888-614-7730 for a free consultation.




Bill Voss
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Aggressive Texas policyholder attorney that fights hard for his clients and won't stop until he wins
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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