How Does a Boat Accident Claim Work?

Our state’s beaches and lakes bring many people to Maryland each year. While boating can be a fun and adventurous experience, the reality is that a boat accident can happen at any time, resulting in severe injuries, including fatal ones.

Boat accident claims can be challenging, in that depending on the type of vessel and where it is located, federal laws may apply. Generally speaking, they work like this:

• Another boat strikes you: If another boat strikes you or your boat, you may file a claim against the other party for your injuries. However, maritime law is complex so you should contact a lawyer.
• Your boat has a defective or malfunctioning part: Sometimes, boat accidents happen because of defects or malfunctioning parts. If it is determined that a defective or malfunctioning part caused your boat accident, you may be eligible to file a claim against the manufacturer or seller of the boat for your damages.
• You rented a boat: If you were injured by another party, you would file your claim or lawsuit the way you would in any boat collision. If the boat itself was unsafe or the safety equipment was inadequate, you may be able to hold the company liable. Further, companies can also be held responsible if they rent to an individual who is underage or visibly drunk or impaired. As such, if you are injured by an impaired or underage operator who rented a boat, the company may be liable.
• You were on a “party” boat: If you were injured while on a “party” boat, during a chartered fishing trip, while on a dinner cruise, or a similar type of excursion, you may be able to hold the company liable depending on the circumstances.
• You were on a large cruise ship: Cruise ships are large ships that usually take many passengers on long trips across the sea. The most common accidents experienced on these types of ships are drownings, swimming pool accidents, slip and falls, elevator and escalator accidents, and sexual assaults. If you suffer an injury on a large cruise ship, you may be able to file a claim against the person who injured you as well as the cruise line. However, most cruise lines require you to sign a form stating that you must file a civil claim or suit within six months of the accident or injury.

There are many other types of boat accidents involving unique situations and circumstances. Therefore, instead of guessing, reach out to a Maryland boat accident lawyer as soon as possible to get the legal assistance you need to successfully file a claim.

Is boat insurance required in Maryland?

According to Maryland’s Insurance Administration, boat insurance is not a requirement in Maryland. However, it is highly recommended that you do purchase insurance for your boat to protect you in the event of an accident that results in property damage or injuries.

How long do you have to report a boat accident in Maryland?

Maryland’s Department of Natural Resources states that you must report your boat accident to them within 48 hours if a person is injured and seeks medical treatment or if a person is killed or lost. If your boat sustains more than $2,000 worth of damage, you must also report this information to the Department within 10 days.

You have three years from the date of the boat accident to file your personal injury case.

If you recently suffered injuries in a Maryland boat accident, it is highly recommended that you do not pursue a boat accident claim on your own. These types of cases usually come with various complications and challenges, which you want to be ready and prepared for at all times. The boat accident attorneys at Plaxen Adler Muncy, P.A. always have our clients’ best interests in mind and will do everything possible to help you overcome any difficulties that arise. Call our office or complete our contact form to schedule a meeting to start speaking with our team today. We have several offices located around Maryland for your convenience.