Boating is one of the most popular recreational activities, especially when the weather begins to get warm. As much as boating is fun, it can also be dangerous at times. Whenever one is boating, you must adhere to the speed limits, right of the way, traffic/signal lights, and signs. One should be registered as a boat operator. To obtain the boat operator card, one needs to pass a regulated exam. However, suppose you do get into a boating accident. In that case, it is always to be aware of the legal recourses that are available to you. In such a situation, reach out to a Personal injury lawyer Ottawa. Having a lawyer by your side in the case of an accident will fight for your right. Here is all that you need to know about the legislation and insurance protection.

Boating Legislation

The Marine Liability Act (MLA) is the primary legislation that deals with the liability of the ship owners and operations in Canada. This legislation has been laid down concerning the passengers, property damage, or any pollution caused. It includes various laws concerning motor vehicle accidents. This is helpful when a party wants to pursue a personal injury claim for the damages from the at-fault party. The claim should be started within two years of the accident. For the party to receive a claim is depending on the facts of the accident.

Section 29 of the legislation stipulates the maximum liability that one can file for in case of personal injury or loss of life. When it has been proven that the accident took place due to recklessness or omission to cause damage, the carrier loses the right to limit the liability. If alcohol was involved and the boat was used recklessly, then the damages may be even greater.

Insurance Protection

As boat insurance is optional, not all boat owners take out a separate marine policy. There is a high possibility that the boat owner might not have any insurance. In such a situation, they can be liable to a third party for at-fault damages. Some small boat owners prefer to rely on primary liability and property damage coverage from their home property insurance. This is dependent on the value of the vessel. Some owners even purchase an additional marine insurance policy coverage as a part of their insurance home policy. However, if you do file a claim, the premiums on both policies can increase.

Hence, many boat owners prefer to opt for a stand-alone marine insurance policy that will provide dual protection, including the physical damages to the boat and against liability of fault for policy owners. The physical damage includes damage or loss to the boat, any equipment or machinery needed to operate the vessel, for example, damage to the boat from being hit by a rock submerged in shallow water. Many insurance policies also include injuries to the body and funeral expense coverage for the policy owners and additional coverage for spouses, relatives, and minors.