Simplifying The Complex Claims Process.
The most complex and stressful part of the insurance process lies in the area of claims. The information contained on this page will help simplify that process for you. And, of course you can feel free to call us anytime at 1-877-MARINE-3 with any further questions you may have. Our professional claims people are available 24/7.

What do I do if my boat is damaged?
You should always inform local police or authorities if the loss involves theft, vandalism or more than one person (i.e. you hit someone else's boat, someone hits your boat, etc.). Be sure to obtain a police report or incident report number from the reporting official. Get as much information as possible from any other people involved such as their name, contact information, insurance information, witness’ contact information, etc.

If your boat is in danger of sustaining further damage if it is left as it is after the loss, do everything as practicably possible to prevent more damage from occurring, such as moving or covering the boat.

You may then obtain an estimate of repair at the shop of your choice. In order to have the claim settled as quickly as possible, it is best not to repair the damage before you submit the claim given that the adjuster may need to inspect the damage prior to the repairs being completed. This will also help you decide whether to claim the damage or absorb the cost yourself as the damage may be less than your deductible amount. Inform a boat insurance specialist at MD Marine Insurance at
1-877-MARINE-3 of the claim as soon as possible.

Where can I take my boat to have it fixed once I submit a claim?
You can choose the repair facility that you would like to repair your boat. This allows you to decide who you are comfortable dealing with and who you trust with the repairs to your boat. If you’re not sure where to take your boat for repairs, call our claims department, 1-877-MARINE-3.

Do I always have to pay my deductible?
You are always responsible for your deductible amount unless the boat is declared a total or constructive total loss (“written off”), in which case, the deductible is waived. In the event that another person is responsible for the damage to your boat, and once the claim is settled, we may try to recover your deductible amount from the responsible person when possible. This is not always successful, nor do we pursue the responsible party in every case.

What information will I need in order to open a claim?
In order to open a claim, we ask the following questions:
When did it happen?
Where did it happen?
Was anyone injured? (If yes, names of the people and the extent of their injuries)
What happened?
Was another boat or person involved?
Was a police report made?
What was damaged?
Have estimates been done for the damage?
Where is the boat now?
Has the damage been altered or repaired yet?
How can we reach you during the day?
If you are not sure of all of these details, a claim can still be opened; however you may be required to provide any missing information prior to the claim being paid.

TO REPORT A CLAIM CALL: 1-877-MARINE-3

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