When you have an accident, damage, or theft to your boat in Texas, the process of filing a claim on your boat insurance can feel confusing. Filing a successful boat insurance claim is very similar to filing a successful car insurance claim. Document everything, and stay in contact with your insurance company.
At TAB Insurance Agency LLC serving Austin, TX, we want you to have an easy claims process if you suffer damage or theft with your vessel. Here are the steps on how to file a successful boat insurance claim in Texas.
Ensure the Problem is a Big One
If you have a small scratch on your boat after a docking problem, don’t call the insurance company. Find a way to repair it and eat that cost.
If you have been sideswiped by a major vessel or there has been a major crime, call the insurance company.
You will be eligible for loss-free discounts when you don’t call them for every potential boat problem.
Call the Police or Coast Guard
If there has been a crime, or there is significant damage, call the police or Coast Guard. You will need to file a report on the incident. Get a copy of that report for your insurance company.
Document Information After an Accident
After you’ve been in a boating accident, follow the same information exchange procedure that you would in a car accident. Exchange boat ID, insurance name and contact information, and names of any witnesses.
Make sure that you document every aspect of the problem that you can. Take multiple photos from all angles before you call the insurance company.
Hold Off on Repairs
If your boat needs a repair, hold off until you have had an in-depth discussion on the matter with your insurance company. They should have everything they need if you have documented the entire situation thoroughly. They may recommend a place for repair, and you will know how much you can spend on repair after you’ve spoken to them.
File the Claim
After you’ve had a boat accident or loss and gathered the documentation, file the claim. Talk to your insurance company as soon as you can. The sooner you do, the sooner the problem is behind you.
Get a Quote for Texas Boat Insurance Today
At TAB Insurance Agency LLC serving Austin, TX, we want you to be protected against every possible boating problem. Call us today for a free quote.