A hidden sandbar can turn an ordinary day on the water into an unexpected accident. Striking shallow ground may damage the hull, propeller, lower unit, or other parts of a vessel. Knowing what steps to take after an incident, and reviewing your policy beforehand, can help you respond appropriately.
What to Do After Striking a Sandbar
First, check whether everyone on board is safe and determine whether the boat can be operated without creating additional hazards. Avoid continuing to travel if the vessel appears damaged or unsafe. Photograph the location, visible damage, and surrounding conditions once it’s safe to do so.
If you operate a boat in Pinellas County, report the accident whenever required under Florida law. The Florida Fish and Wildlife Conservation Commission requires operators to file a report for accidents involving death, injury requiring medical treatment beyond first aid, disappearance of a person, or total property damage of $2,000 or more.
How Insurance May Respond
Your boat and watercraft insurance policy determines whether damage from striking a sandbar is covered. The specific circumstances of the incident, the policy’s terms, and any applicable exclusions can all affect how a claim is handled. Florida’s Office of Insurance Regulation oversees insurance in the state, but individual policy terms can still vary significantly.
Contact your insurer promptly after an accident and provide photographs, repair estimates, and any other requested documentation. Avoid authorizing major repairs until you know exactly what your insurer requires.
Trust Percheron Insurance Group for Coverage
At Percheron Insurance Group, we’re happy to serve customers throughout Pinellas County and can help you review your boat and watercraft insurance before your next outing. Contact us to discuss your policy, your boating activities, and any questions about what might happen if your vessel strikes an unseen sandbar.
