{"id":519,"date":"2022-01-23T22:37:46","date_gmt":"2022-01-23T22:37:46","guid":{"rendered":"https:\/\/SailOutfitter.com\/?p=519"},"modified":"2022-01-23T22:37:46","modified_gmt":"2022-01-23T22:37:46","slug":"denied-boat-claim-hire-an-attorney-who-knows-about-federal-maritime-insurance-law","status":"publish","type":"post","link":"https:\/\/SailOutfitter.com\/denied-boat-claim-hire-an-attorney-who-knows-about-federal-maritime-insurance-law\/","title":{"rendered":"Denied Boat Claim? Hire an Attorney Who Knows About Federal Maritime Insurance Law"},"content":{"rendered":"

Sometimes, Insurance companies make mistakes when denying or underpaying boat insurance claims.1<\/sup> Since I practice insurance law and own more boats than a family of four can be on at the same time, I often get calls from frustrated friends and acquaintances complaining about the bad adjustment of their boat claim.<\/span><\/p>\n

Boat claims are different. The nomenclature and law differ from other areas of property insurance law. Generally, coverage for a boat is considered marine insurance. Marine insurance contracts are governed by federal maritime law.2<\/sup> In the absence of an established maritime rule, courts apply state law to interpret disagreements under maritime insurance policies. Most of you just want to get paid your claim to get your boat repaired and do not care about these maritime rules.<\/p>\n

Maritime insurance policies are interpreted to a throwback of days when English common law applied rules. Thus, old English maritime common law insurance law rules may apply when disputes occur. I often explain this to owners of yachts and smaller boats when they are not being paid what they think is fair. For some reason, insurance company adjusters often think attorneys will not understand maritime law and challenge these wrongful denials and underpayment. The law is not that different from federal or state maritime law that unfair results should occur.<\/p>\n

Why do accidents occur at sea?<\/a><\/p>\n

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Specific Transit Insurance Policy<\/figcaption><\/figure>\n
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