Boating incidents are somewhat common in the Greater Jacksonville area. Sometimes, people have too much to drink while out fishing or boating with friends. They may then cause collisions with other vessels. Other times, negligent boaters might fail to monitor their surroundings. They could strike a much smaller personal watercraft, such as a Jet-Ski, or even a swimmer in the water. Boating incidents often lead to substantial financial losses.
How can those injured in boating incidents cover their losses?
Insurance is sometimes available
Some boat owners carry liability insurance. However, many boating insurance policies focus on property damage during storage or use of the watercraft instead of liability protection. Florida state statutes do not require liability coverage from boaters, which means that many people do not always carry liability coverage. That lack of coverage means that those involved in boating incidents may not be able to file an insurance claim unless the vessel was part of a commercial fleet covered by business insurance.
Litigation might be possible
When people operating vessels are negligent or break the law, possibly by boating while under the influence, they put themselves at risk. If they cause property damage or injuries to others, they may have direct liability to the injured party. Those harmed by boating incidents may be able to take legal action against a boat operator, a company providing vessel rentals and other third parties.
Reviewing the circumstances surrounding a boating incident with a skilled legal team can help the affected parties assess their options. Compensation for injury and property damage losses may be available if people understand their rights.