Who pays for injuries suffered in a boating accident in Miami, Florida?

If an individual was injured in a boating accident in Miami, there may be multiple avenues they can take to recover compensation for their injuries, pain and suffering, lost wages, and more. Like auto accidents, when a boater’s negligence is responsible for causing an accident, they can be held responsible for paying a victim for causing them to suffer injuries and other losses. It all comes down to whether the boater was insured and if they have enough assets to provide a victim with the financial relief they are seeking.


Are boaters required to carry insurance in Florida?


Although drivers are required to carry certain types and limits of insurance coverage, boaters in Florida are not required to carry insurance although they do have the option of purchasing it.1 This means a boater may or may not be covered in the event of an accident.


When a Boater is Insured


In the event the boater who was liable for causing the accident was carrying insurance, then the victim can file a claim with their insurance carrier. It’s always a good idea for an individual to consult with a Miami, FL accident lawyer before speaking with the insurance company to prevent from saying something that could jeopardize their chances of getting their claim paid.

Important: Insurance companies will often try and take a recorded statement from an accident victim and later use it to devalue their claim or even deny it.

In the event the boater wasn’t insured at the time of the accident but was covered by a homeowners’ insurance policy, there is a chance that policy might provide a boating accident victim with some financial relief. An individual can speak with a Miami, FL accident attorney to find out more about the coverages that might be available to them.


When a Boater is Not Insured


In the event a boater was not insured at the time of the boating accident, yet it was their negligence that caused the incident to occur, then the victim may be able to file a personal injury lawsuit against them. Some examples of negligent behavior might include:

  • Operating the vessel while intoxicated
  • Speeding
  • Driving recklessly or carelessly

If a boating accident victim is looking to sue a boater for causing them to suffer injuries, they should first have a Miami, FL accident lawyer assess their case to determine if filing suit is in their best interest.


Connect with an Accident Attorney in Miami Now


If an individual is looking to recover compensation to help them afford medical treatment and pay for other accident-related costs, they can contact Mario Trespalacios P.A. at 305-261-5800 to receive a free consultation.


Mario Trespalacios P.A. can be contacted at:


9495 SW 72 Street, Suite B-275

Miami, FL 33173

Phone: 305-261-5800

Website: www.mtpalegal.com



  1. https://floridafarmbureau.com/2019/10/storing-and-insuring-your-boat-in-florida/
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