Sailing is a fun day out on the water, but it doesn’t always go smoothly. In 2020, a The United States Coast Guard said There were 5,265 boating accidents, which was higher than last year. Fortunately, there are simple steps you can take to avoid accidents, accidents, and claims.
Before you set sail, take a look at the seven most common boat insurance claims and how to avoid them:
Comment #1: Beating underwater objects
Debris and rocks can be hidden under the water, so one of the best ways to avoid this is to stay on marked trails when you’re sailing. Check the water depth as submerging in shallow water can cause serious damage to your boat. Deep soundings can also reduce the impact of a submerged object. If you have one, be very careful with the device, especially when in unknown waters. Be aware of buoys or markers that may indicate potential hazards to your boat. And as always, drive slowly, carefully and carefully.
Comment #2: Weather damage
Severe weather can wreak havoc on your boat in the harbor or on the water. Check weather reports before you head out to make sure you have a safe time. If the weather worsens while you are out, put on life jackets, return to shore immediately, and secure your boat. Take extra care in the harbor during rough weather to avoid damage, such as securing the boat’s fenders, removing potential debris, and making sure your boat is watertight. After winterizing your boat, be sure to have the marina inspect your boat for any problems.
Comment #3: Injury
Put safety first to prevent injury to passengers, crew, and other vessels. As a boater, it is your responsibility to complete the necessary training in your area and learn the ropes, communication, and lifesaving techniques before you hit the water. Another way to stay safe? Avoid drinking alcohol, especially if you are a user. Combining beer and boating is one of them which causes accidents on the water. Finally, make sure you always have enough life jackets for everyone on your boat. Have fun and maintain a safe position to reduce the risk of injury.
Comment #4: Collision
Know and enforce your boating safety rules at all times while on the water. Control your speed to avoid wakes, and pay extra attention to nearby boats when docking or leaving a mooring. Tell passengers to act as extra eyes and be alert to what is happening around you. Designate one person to direct you to look for boats or objects that may prevent collisions.
Comment #5: Theft
Theft to the boat itself is an excellent marine insurance policy. If your boat is being moved or stored in the water, try to remove the engine, put a lock on the trailer, and remove any cargo that can easily be picked up. Once parked, remove the travel accessories to reveal and protect any valuables that remain. The main goal is to make it difficult for thieves to succeed and stop the behavior.
Comment #6: Drowning
Sinking makes boats useless. This means that one of the most important aspects of boat maintenance is making sure it is waterproof. Make sure that fittings, such as hoses and fittings, are working and keeping water out.
Comment #7: Fire
It’s not always a big fear on the water, but a fire can do a lot of damage to a boat. Most boat fires start with faulty wiring or problems that can lead to explosions. Check for any rust on the outlets or burnt wires to make sure you are not at risk. It is very important to be careful if you smell gas. If you do, get out of the boat right away and see it. As a precaution against fire, keep a fire extinguisher with you.
Knowing about general insurance claims and following the guidelines to avoid them is the best way to protect your money and your passengers. Another important step? Finding the right airline coverage. Talk to a local, independent agent today.