Summertime in Wisconsin is perfect for enjoying time on the water. Whether you are setting sail on a family-friendly pontoon, fishing boat, or old canoe, a day on the lake just can’t be beaten.

However, there are safety risks involved with boating. Speeding, negligence, drinking, and inexperience are all common causes of boating accidents in Wisconsin. In this post, we want to share a few tips to help you stay safe on the water this summer.

How to Stay Safe While Boating in Wisconsin

  • Wearing a life jacket - According to the U.S. Coast Guard, 80% of boating accident deaths could be avoided by wearing life jackets. When a boating accident occurs, you have limited time to stretch and get your stowed life jackets. Therefore, it is advisable to ensure that you and everyone on board has a life jacket while boating.
  • Avoid drinking alcohol - Alcohol consumption while boating is illegal and endangers the lives of everyone on board. Remember that intoxicated swimmers and passengers are also more likely to drown.
  • Be weather-wise - Whether you are operating a boat during the summer, spring or fall season, always consider carrying a radio and watching out for the weather. Sometimes, wind shifts and choppy water can be telltale signs of a brewing storm. Get to shore as soon as you realize the weather is about to change.
  • Don’t overload the boat - It’s essential to follow your boat’s load limit restrictions. Overloading your boat can make it unstable and surge the risk of swamping or capsizing.
  • Ensure all operators are trained - Human error is a leading cause of boating accidents. Therefore, it is essential to ensure that all operators can effectively navigate and operate the boat. You can do this by ensuring boating operators take a boating safety course that includes reading the weather, boat handling, and navigation.
  • Maintain a safe speed - Like on the road, you can face penalties or fines for overspeeding on the water. Since there are no lanes on water and different water vessels zig-zag everywhere, it can be challenging for speeding boats to avoid collisions. Therefore, it is essential to ensure you excess caution and obey the speed limits.

What Should You Do After a Boating Accident?

After a boating accident, you should ensure that everyone on board is safe. If there are injuries, loss of life, property damage in excess of $2,000 or the total loss of a boat, you are required to report the incident to law enforcement without delay.  

As with other accidents, it is essential to gather evidence immediately. You need to collect police reports, witness testimonies, videos, and photos of the scene. A Milwaukee boating accident attorney will help you gather the evidence you need to establish a strong case against the party at fault.

Contact a Milwaukee Boating Accident Attorney

At Natasha Misra Law, we are ready to help you get the compensation you need to move forward after a boat accident. Contact us today to schedule a consultation and learn more about how we can assist in strengthening your case.

Do I Need Collision or Comprehensive Coverage?

Collision and comprehensive coverages are optional forms of insurance coverage that you may purchase under your auto insurance policy to compensate you for damage to your vehicle.  Collision and comprehensive coverages can pay for the repair of your vehicle or the value of your vehicle regardless of who is at fault.  

This blog discusses the benefits of collision and comprehensive insurance coverages.

What Are the Benefits of Collision Coverage?

If you have collision coverage, your auto insurance company will pay for damage to your vehicle if your vehicle collides with another vehicle or a hit-and-run vehicle.  Your auto insurance company will pay for the damage to your vehicle even if you are at fault for the accident.  

When Should I Buy or Drop Collision Coverage?
The amount you pay for collision coverage depends on the year, make and model of your car. Before you buy or drop collision coverage, you should look at the current value of your car as well as your ability to buy a similar car in the event that your car is totaled. If you own your car and can afford to replace your car on your own, you may decide not to purchase collision coverage.
What Is Comprehensive Coverage?

Comprehensive coverage pays for vehicle damage caused by covered events such as theft, vandalism, hail and flood damage. It also pays for damage to your vehicle as a result of striking an animal such as a deer.  

What Coverages Are Needed If My Vehicle Is Totaled?

Generally, if repairs exceed the value of your vehicle, your vehicle will likely be deemed a total loss. In order to receive payment for the total loss of your vehicle, you will need to use one of the following forms of auto coverage:

Collision Coverage will pay for damages as a result of a collision with another vehicle or object.
Comprehensive Coverage will pay for damages if your vehicle is stolen, vandalized or if you hit an animal, such as a deer.
Property Damage Liability Coverage allows you to receive compensation for your vehicle from the at fault party’s auto insurance policy.

What Are Deductibles for Collision and Comprehensive Insurance Coverage?

A deductible is the amount of money you will be required to pay for damage to your car before your insurance company pays. The deductible for comprehensive coverage or collision coverage is applied to each accident or incident. For example, if you are in a car accident in the morning (collision coverage) and your car is stolen later that night (comprehensive coverage), then your insurance company will apply two different deductibles.

The higher the deductible means the lower the premiums. If you can afford the risk of a higher deductible, this can lower your insurance premiums.

Contact Wisconsin Personal Injury Attorney Natasha Misra

If you have questions about your collision or comprehensive coverage after an accident, you should discuss your options with an experienced Milwaukee car accident lawyer. When Natasha Misra Law represents you for your injury claim, we also help you at no additional cost with the issue of repairing or replacing your vehicle to the full extent permitted by insurance coverage and the law.  If you have been in an accident, you should not have to bear the economic burden. Together, we will look at the facts of your case and uncover all potential sources of recovery.

Call our office today at (414) 635-2833 to speak with a Milwaukee personal injury attorney.

Natasha Misra

My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.