From Cars to Boats: Understanding The Differences in Accident Liability

Fuller Law Podcast

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John Fuller is a distinguished personal injury attorney based in Denver, Colorado. With years of experience representing clients in a myriad of personal injury cases, John is renowned for his client-focused approach. He is noted for his diligence in personally consulting with clients, offering his expertise and cell phone number for personalized communication. John Fuller is recognized for his deep understanding of insurance laws, particularly in complex areas such as boating accidents, making him a go-to expert in personal injury law.

Episode Summary:

In this riveting episode, we welcome back John Fuller, an esteemed personal injury attorney from Denver, who sheds light on the often-overlooked area of boating accidents and their implications under personal injury law. John provides his expert insights into the nuances of accidents on the water, highlighting how these incidents are subject to the same legal scrutiny as more commonly acknowledged accidents on the road.

John delves into specific aspects of boating insurance, warning listeners about hidden exclusions in policies and the importance of thorough coverage. He illustrates the chaotic scenarios that can unfold on water bodies, especially when novice boaters mix in alcohol. Additionally, John discusses the interrelation between homeowners' insurance and boating accidents, emphasizing the complex legal battles that often ensue. Throughout the episode, he underscores the necessity of having an experienced attorney navigate these challenges to ensure adequate insurance coverage is available for victims.

Key Takeaways:

• Boating Accidents and Personal Injury: Just like road accidents, boating accidents can be subject to personal injury claims. Due diligence is essential in these cases.

• Insurance Coverage Pitfalls: Many boat insurance policies include fine print exclusions, like speed limitations, which can void coverage. It’s crucial to review and understand these details.

• Importance of Legal Representation: In the event of a boating accident, involving a personal injury attorney early can be pivotal in securing coverage and addressing insurance disputes.

• Boater Responsibility: Operating a boat doesn’t require mandatory training or licensing, leading to potentially dangerous situations on the water. Boaters must exercise caution and responsibility.

• Homeowners' Insurance and Boating: There can be overlaps and disputes with homeowners' insurance in the wake of boating accidents. Navigating these complications often requires expert legal intervention.

Notable Quotes:

1. "When it gets hot outside, people want to go to the lake, and they're excited. They put those boats out there, and the next thing is a big cooler full of beer, and you get the most horrible drivers out there on the lake."

2. "Some insurance policies will write coverage for a boat and then in the fine print say, if this boat is capable of doing over 50 miles an hour, we won't cover any damage that comes out of an accident."

3. "It's imperative that you call somebody like myself to get us involved early on because that may make the difference in there being coverage or not."

4. "If you can afford the boat, you can drive it on the lake and do whatever you want. So it's frightening how little skills people have who have the ability to get in a boat."

5. "We frequently get into battles with people's homeowners' insurance over boating accidents, and sometimes we're able to get coverage. It’s almost always a battle."