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There’s nothing like being out on one of Colorado’s beautiful rivers and lakes on a warm spring or summer afternoon. The cool breeze in your hair, sun glistening on the water and scenic beauty can bring a sense of peace and well-being. You can get that same feeling from knowing that your vessel is fully insured in case of a boating accident. If you have specific questions on what type of boat insurance would be suitable for your boat and desired coverage, call Colling Insurance Services in Lakewood, CO to get the answers you desire. In the meantime, here are some tips on what to do in case you get into one of the following accident situations.
Hitting a Submerged Object
Whether you hit a rock or other object, it can scratch or leave a hole. Experienced boaters stay clear of shallow, murky water, and this can lower the chances of running into underwater objects.
Grounding
Grounding occurs when you run aground on an unseen sandbar or object and cannot get free. It can wreak havoc with the haul of your boat. To avoid grounding followed marked channels, consult charts and invest in a depth sounder.
Weather Damage
A boat operator always needs to be aware of current and expected weather before getting on the water. If you are already on the water when a storm hits, get to shore as safely and quickly as possible and tie your boat to secure moorings.
Theft While Anchored
Theft while anchored is an increasing claim type, especially during the summer. Remove navigation equipment and belongings from sight when you are away from your vessel.
Injury
Insurance claims for injuries are filed via your boat insurance medical payments coverage, which covers you and your passengers, or bodily injury liability, which covers injuries you caused to someone else. The latter typically involves inexperienced boaters.
Collision with Other Boats
A collision between two boats can cause major damage and generally occurs in an area densely crowded with boats. In these situations, stay alert and navigate slowly. Collisions usually occur when you are going too fast to react or not paying attention.
Fire
Fire is not a common claim on boats, but it’s nice to know you’re covered. Just in case, keep a fire extinguisher on board for emergencies.
If you need help determining whether your current boat insurance policy covers you in these or other situations, contact an agent at Colling Insurance Services Inc. in Lakewood, CO. Feel free to schedule an appointment to discuss all your insurance needs and to receive a quote.