People. Boat. Report. In that order.
Every incident, no matter how small, has a checklist that keeps you legally and morally clear.
The obligation to render assistance overrides almost every other rule — even leaving the scene of a legal exclusion zone.
Immediate Duties
Stop. Provide assistance to anyone injured or at risk. Exchange details with any other vessel involved — name, registration, contact, insurer. Note the time, position, conditions and other witnesses.
Reporting Requirements
Most jurisdictions require formal reporting for incidents involving injury, death, damage above a set threshold, or a vessel that sinks or has to be abandoned. Reporting windows are usually 48–72 hours — don't miss them.
Insurance Realities
Notify your insurer promptly, even if you don't intend to claim. Late notification is a common reason claims are denied. Take photos, keep receipts, preserve any damaged gear until the claim is settled.
- People first, boat second, paperwork third.
- Photograph everything before it moves or dries.
- Never admit fault at the scene — describe what happened, not why.
- Do you know the reporting number for your state's marine authority?
- Is your insurer's after-hours claim line saved in your phone?
- Do you have a laminated 'what to do after an incident' card aboard?
- Assist first, report second, argue never.
- Reporting windows are short — meet them.
- Prompt insurer notification protects the claim.