What to Do If You're In a Boating Accident

With summer in full swing, residents of Minnesota will likely be spending at least some time out on the lake, whether that’s swimming, boating, or some other recreational water activity. That being said, if you’re someone who owns a boat, it’s vital that you have boat insurance to cover any potential accidents. As safe a boater as you may be, accidents happen, especially with so many people out and about enjoying the warm summer weather. Luckily, as a resident of Minnesota, Prokop Insurance is here to help. We will work with you to find the right coverage for you and your watercraft. Explore our website to learn more, and when you’re ready, give us a call. In the meantime, continue reading below for some tips on what you should do should you end up in a boating accident this summer.

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Make Sure Your Passengers Are Safe

The first thing you should do if you find yourself in a boating accident is to check on your passengers. Boating accidents can be extremely dangerous, because, unlike in cars, most people won't be wearing a seat belt. Additionally, you have to worry about any other dangers that may be in the water, such as tides, other boats, or even your passengers not being able to swim.

Once you've made sure that everyone on board is safe, you can take some time to figure out how to proceed and take care of the situation in a rational way.

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Call for Help

The next step is to call for help. Depending on the severity of the accident, you may need to call the police, an ambulance, or even the coast guard. Make sure to give them as much information about the accident as possible, such as the location, the number of people on board, and any injuries that have been sustained.

When calling for help during a boating accident, there are a couple of ways you can do it. If you have cell phone reception, start by calling 911. However, if you don't have reception, you may have to use the boat's radio and make a distress call on channel 16.

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Gather Information

After you've called for help, it's time to start gathering information. This is important for insurance purposes, but it can also be helpful in any potential legal proceedings that may result from the accident. Be sure to get the names and contact information of any witnesses, as well as take pictures of the damage to both boats.

If there's a lot of damage, or if anyone was injured, you may also want to file a police report. This can be helpful in insurance claims and lawsuits, so it's always better to err on the side of caution.

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Notify Your Insurance Company

Once you’ve ensured that everyone on your boat is safe and you have information from any other boats or people involved, the next step is to notify your insurance company. Most insurance companies make dealing with accidents easy, as they take care of all of the hard work themselves. When you reach out to our insurance company, they will likely ask you to tell them what happened in the accident, send pictures of any damage, and provide information for the other parties involved. All of this will help them create a claim and pay for any damages so that you don’t have to pay for fixes completely out of pocket. With all that in mind, dealing with an accident can either go very well or very poorly depending on your insurance agency. That’s why, at Prokop Insurance, we make sure you have the right coverage for you. Give us a call to learn more and get your boating insurance today!

It's always best to be prepared, and at Prokop Insurance, we want to help you be prepared by helping you find the best boating insurance for your needs. Reach out to our experts to learn more about our insurance services, and get started crafting your new policy today!