Florida leads the country in boating accidents and fatalities. A 2021 report from the U.S. Coast Guard (USCG) says Florida had 607 boating accidents leading to over $7 million in property damage.
“Preparation and training can help prevent most boating accidents,” says Ellsworth Buck, V . p . of Insurance, Florida's leading independent boat insurance agency.
The top boat claims range from the following:
Towing
BoatUS, a U.S. Boat Owners Association, analyzed Five years of claims from 2012 to 2021. They found 40 % of all claims were towing claims. Learning how to properly tow a ship can be tough. There are many variables which go into towing. Be sure to check your vehicle's towing specifications, along with all of the weights. Keep in mind the tongue weight. This figure will explain what amount of the trailer's weight can rest on the hitch. Also, make sure to balance your cargo. Be sure to look into the often-overlooked trailer tire pressure.
Sinking
Boats can sink for many reasons. In order to prevent a
sinking boat, get proper maintenance and regular inspections. When you are out
around the water, be aware of the elements which in Florida can transition quickly.
Always check tides and currents as well as changing depths.
Weather
“When it comes to hurricanes, thankfully we get ample warning,” says Ellsworth Buck, Vice President of Insurance, Florida's largest independent boat insurance agency. This provides you sufficient time for you to move your boat out of the water if at all possible. Be sure to pull the drain plug and remove the electronics on board. If your boat will remain within the water, tie it securely and canopy lines to avoid chaffing. Protect the boat from rubbing from the pier, pilings or other boats.
Collisions
Collisions with another vessel are typically caused by
inattention, blind spots and speed. Drivers must always pay attention but also
appoint a look-out. Before turning, be sure to try looking in all directions. And
always maintain a safe speed in congested areas and also at night. Water doesn't
possess a clear right of way, so all boat drivers will need to take responsibility for
avoiding an accident.
Striking a submerged object
It is extremely hard to avoid striking a submerged object such
like a log because it is really so hard to see. Drought conditions and high rains
can contribute to floating debris within the water.
Should you hit a submerged object, stop and appearance the bilge for leaks. Once
you arrive at the dock, do another more thorough look for damage.
