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3 Common Boat Insurance Claims

Action Auto Insurance Agency Inc. • May 6, 2022

Now that summer is here, you may be taking your boat out on the water to cool off, catch some fish, and spend time with friends and family. As enjoyable as your watercraft is, you'll need to exercise restraint and care while using it to avoid a boat insurance claim. Here are a few costly boating scenarios and how to avoid them.

What Are Some Common Reasons for Boat Insurance Claims?

1. Collision With a Submerged Object

This type of event often occurs when boat operators are inexperienced, unfamiliar with the area, or driving recklessly. Submerged items may include rocks, trees, sandbars, and sunken debris. Avoid this issue by slowing your speed in murky water and taking note of any obstructions. 

Never operate the boat while under the influence of drugs or alcohol, and always keep your eyes peeled ahead of you for warning buoys or ripples on the surface of the water. If your boat has a depth sounder, use it when navigating unfamiliar bodies of water.

2. Bodily Injuries

Physical injuries are also common causes of boat insurance claims. These often occur due to inexperience. For instance, boating too rapidly over rough water can jolt or jostle passengers violently, as can suddenly changing speed or direction. 

Always drive responsibly and with caution. Additionally, a surprising number of slip-and-fall incidents occur just as passengers are boarding, so insist that everyone wear proper footwear, such as water shoes, boat shoes, or rubber-soled sneakers with good treads, as well as a personal floatation device.

3. Theft

Thefts of boats are rare, but they do happen—particularly to smaller watercraft, like jet skis. Usually, this occurs when the owner doesn't take proper security precautions and someone takes the craft for a joyride. However, theft from a boat is much more common. Always take care to remove or lock up valuables when you leave your boat at a marina. This includes jewelry, fishing gear, scuba supplies, and navigation equipment. 

If you seek high-quality boat insurance to protect your vessel, contact the professionals at Action Auto Insurance Agency Inc. in New London County, CT. They offer top-tier products to safeguard you while you're skiing, fishing, or cruising. They'll provide invaluable guidance when designing a policy to ensure the coverage meets your needs. Learn more about the options on their website, or call (860) 444-7224 to request a boat insurance quote.

The Do's & Don'ts of Safe Motorcycle Riding

By Action Auto Insurance Agency Inc. • May 6, 2022
Because motorcycles offer less protection and are harder for inattentive drivers to see, they come with more risks than other vehicles, and you must take care to ride safely. These risks are even factored into your motorcycle insurance policy, which is often higher for cyclists. But with care, attention, and preparation, riding your motorcycle can be both fun and safe. Below are some do's and don'ts to help you stay safe on the road.

4 Ways Boat Insurance Protects Your Assets

By Action Auto Insurance Agency Inc. • May 6, 2022
Whether your boat is on land or in the water, it's vulnerable to theft, vandalism, damage, or an unexpected accident. While Connecticut doesn't require boat insurance , there are several reasons to consider getting this policy. Here's a closer look at why this coverage is worth the investment.

3 Advantages of Working With an Independent Insurance Broker

By Action Auto Insurance Agency Inc. • May 6, 2022
People in the market for home, renters, or auto insurance normally have a choice between purchasing coverage over the internet or with the help of an agent or broker. Although it may seem convenient to buy online, there are many unique advantages to working with an agency. Here's a closer look at why you should utilize the services of an insurance broker.

4 FAQ About Snowmobile Insurance

By Action Auto Insurance Agency Inc. • May 6, 2022
With winter just around the corner, many snowmobile enthusiasts are getting their rides ready for the season. While you’re changing the oil and checking the treads, don’t forget to ensure that you have enough recreational vehicle insurance to protect your sled. Here's what to know about snowmobile insurance so that you can get the right policy.

What to Know About the Importance of Snowmobile Insurance

By Action Auto Insurance Agency Inc. • May 6, 2022
Riding snowmobiles is a popular recreational activity during the winter. While this sport allows for a thrilling exploration of different terrains, it also comes with various risks. Snowmobiles are powerful machines, and even the most cautious driver can find themselves in an unexpected situation. As such, it’s important to have the right vehicle insurance when hitting the trails. Here's what you should know about how snowmobile coverage works.

3 Safety Tips for Driving on Black Ice

By Action Auto Insurance Agency Inc. • May 6, 2022
When outside temperatures dip below freezing, black ice can form. This clear coating typically develops on roads, highways, and bridges. The frozen precipitation gets its name from the road's black color that can be seen through the icy patch. Since it's so difficult to detect, drivers may not know it's present, leading to skidding and accidents that can result in costly car insurance claims. If you encounter black ice on the road, here's how to handle the situation.

5 Items to Keep in Your Winter Car Kit

By Action Auto Insurance Agency Inc. • May 6, 2022
Vehicle breakdowns are not only frustrating, but they can be dangerous if you’re stranded during severe winter conditions. While your car insurance can cover damage sustained during an accident in inclement weather, it may take a long time for roadside assistance to arrive at your location. Having the following items in an emergency kit can help you handle the situation safely.

A Guide to How a Connecticut DUI Affects Car Insurance

By Action Auto Insurance Agency Inc. • May 6, 2022
Driving under the influence (DUI) of alcohol or drugs in Connecticut can have significant consequences. A first offense can result in up to $1,000 in fines, up to 6 months in jail, and a 45-day license suspension. On top of that, you will likely experience changes to your auto insurance premiums. Below is a look at how a DUI affects rates and coverage.
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