Maritime injuries can leave you facing long-term and significant recoveries. This also leads to substantial costs. Unfortunately, many maritime liability policies have insufficient limits to cover those costs. When you file a claim against such a policy, you may struggle to get the compensation that you need.
There are some things that you should know about fighting for sufficient coverage.
How are claim benefits limited?
If you suffer a significant injury with long-term consequences, many maritime liability policies will try to limit your benefit to the value of the vessel on which the injury occurred. This is rarely enough to cover the costs you will incur for care as well as the compensation you need for the changes you must face.
Can you fight those coverage limits?
There are a few steps that you can take to receive sufficient compensation for your injuries. First, file as early as possible. The sooner you file the injury claim, the better your chances of recovering as much as possible.
Assess the situation for multiple liability sources. If the company’s liability coverage is insufficient because of vessel value limitations, consider filing a claim against the company’s general liability coverage as well.
You might also want to consider filing your case in state court. State courts often help claimants receive the compensation necessary for their injuries.
You should never take maritime injuries lightly. These injuries can cause complications and prove costly. Understand how to get the compensation necessary to cover your medical costs and compensate for any alterations to your future.