what you can do
What you can do!
INSURANCE CLAIM FOR BOAT
A whole lot of accidents take place at sea these days. One who possess his or her own boat must have all the knowledge about these accidents. So it becomes really important to have an insurance policy for you boat. Apart from having the policy, the timing of filing a claim for the mishap is also important. But who suffers the loss usually forgets about such things but one should always be ready for such times.
Take a picture
As soon as your boat gets damaged take its photo. Because there is clause in the insurance quotes that clearly mentions the need of a photograph of damaged boat. In case your boat sinks due to accident, this could prove really helpful.
Copy of documents
You must keep a copy of all your insurance policy documents with you whenever you go in the water with your boat. If any mishap occurs they can prove very resourceful. But keep in mind that you should not have original documents with you because if they are lost then it could mean a big problem for you.
Estimation of the loss
The company will require a proof of the cost of repairing in case of accidents. This will help you get some extra coverage than your estimated cost. The amount must be same in all of the estimates if there is huge difference in the bills then estimation could be cancelled.
Contact your agent
When the accident occurs it is advisable that you should call your agent immediately and keep all the documents the photographs and the estimation of the loss at ready. This will defend you in front of the agent. You agent will find out about the accident from other people who were present on boat during the accident and these documents will help this inquiry.
Try not to cheat
Be truthful in your claim and don’t try cheat with the agent so that you could get some extra amount for your coverage, as this is very inappropriate and could lead you to the jail. This cheating will also make the agent and the company reject all your claims and you will lose your policy and could also go to jail for fraud.
Just keep your mind attentive during the accident and don’t let emotions ruin this for you. Otherwise you possibly will be losing your claim.
