Boat and jet ski accidents happen more often than most people think. Whether it’s on a lake, river, or even close to shore, accidents can lead to serious injuries or damage. These crashes might involve another boat, a swimmer, or even a collision with rocks or docks. Because watercraft can go fast and are often used for fun, safety sometimes takes a back seat.
When someone gets hurt or their property is damaged in one of these accidents, things can get confusing quickly. Who’s at fault? Who pays the bills? That’s where legal help becomes important. A lawyer who knows how these accidents work can explain your rights and help you figure out what to do next.
You may be dealing with injuries, medical bills, lost time at work, and more. A lawyer steps in to make sure you’re not stuck paying for something that wasn’t your fault. They help you take action in a way that gives you the best chance at getting money for your losses.
At Phillips Law Offices, we have more than 75 years of experience helping people. We can assist you in building a strong case to get the compensation you deserve. Contact us online or call for a free consultation with no risk involved.
Common Causes of Boat and Jet Ski Accidents
Reckless Driving
Some people drive boats or jet skis too fast or do dangerous tricks. They might not follow safety rules or care about people around them. Just like cars, reckless driving on water can cause crashes and hurt people.
Operator Inexperience
Many people who rent or borrow boats don’t know the rules of the water. They may not understand how to steer, stop, or deal with other boats nearby. Accidents can happen quickly when someone doesn’t know what they’re doing.
Equipment Failure
Boats and jet skis have engines and moving parts that need to work properly. If something breaks, it can cause a crash. Sometimes it’s the owner’s fault for not maintaining the vehicle. Other times, the company that made it might be to blame.
Weather Conditions
Bad weather like high winds, storms, or strong waves can make it hard to control a watercraft. Many people don’t check the weather before heading out. Getting caught in rough water increases the risk of accidents.
Alcohol or Drug Use
Drinking alcohol or using drugs while driving a boat or jet ski is illegal and dangerous. It slows down reaction time and makes it harder to make safe decisions. Many serious crashes on the water involve alcohol.
What a Boat/Jet Ski Accident Lawyer Actually Does
Case Evaluation and Free Consultation
When you first talk to a lawyer, they’ll listen to what happened and give you advice. Most offer a free meeting to see if you have a good case. You don’t have to bring anything fancy—just tell them your side of the story.
Investigating the Cause of the Accident
Once the lawyer agrees to take your case, they’ll start digging into what caused the accident. They’ll look at reports, pictures, and talk to people who were there. Their goal is to get a clear picture of what went wrong.
Collecting Evidence and Witness Statements
The lawyer will gather anything that helps prove what happened. That includes photos, video footage, police or coast guard reports, and statements from witnesses. Good evidence can make a big difference in your case.
Determining Liability
Sometimes the person driving the boat is at fault. Other times, the rental company or even the boat maker could be responsible. The lawyer figures out who caused the accident and makes sure the right people are held accountable.
Working with Experts
In serious cases, the lawyer might bring in experts to help. Doctors can explain your injuries. Accident experts can show how the crash happened. These people help prove your case and can explain things clearly if it goes to court.
Legal Claims and Compensation
Medical Expenses
If you’re hurt in a boat or jet ski accident, you might have hospital bills, medication costs, or physical therapy. A lawyer helps you ask for money to cover these expenses so you don’t have to pay out of pocket.
Lost Wages
If your injuries keep you from working, that lost income adds up. You can make a claim to get that money back. A lawyer helps calculate how much you lost and adds it to your case.
Property Damage
Maybe your boat, phone, or personal belongings were damaged in the crash. You have the right to ask for the money it takes to repair or replace those things.
Pain and Suffering
This part is about how the accident affected your life emotionally and physically. If you’re dealing with pain, stress, or lasting trauma, you may be able to get extra money for that.
Wrongful Death
If a loved one died in a boat or jet ski accident, the lawyer can help the family file a wrongful death claim. This can cover funeral costs, lost income, and emotional loss.
Understanding Maritime and State Laws
Boating accidents fall under a special area of law called maritime or admiralty law. It’s different from car accident laws. Lawyers who handle these cases need to understand the rules for what happens on water.
Some accidents fall under federal law, while others follow state rules. It depends on where the crash happened. A good lawyer knows the difference and makes sure the case is filed in the right court.
There’s a time limit for starting a legal case. If you wait too long, you may lose your chance to get money. Each state has its own deadline, so it’s important to talk to a lawyer right away.
Why You Should Hire a Specialized Lawyer
Not all lawyers handle boating or jet ski accidents. You need someone who knows both injury law and the rules of the water. This helps your case move faster and improves your chances of winning.
Insurance companies don’t always play fair. They might offer less than you deserve or deny your claim. A lawyer talks to them for you and fights to get the full amount you need.
Most cases settle outside of court. But if yours doesn’t, your lawyer will be ready to take it to trial. They’ll speak on your behalf, show the evidence, and argue your case in front of a judge or jury. Many accident lawyers only get paid if they win your case. That means you don’t have to worry about paying up front. If they don’t win, you don’t owe them anything.
Steps to Take After a Boat or Jet Ski Accident
Seek Medical Attention
Your health comes first. Even if you feel okay, get checked by a doctor. Some injuries show up later. Medical records also help prove your case if you file a claim.
Report the Accident
Tell the authorities right away—this might be the coast guard, local police, or lake patrol. A report makes everything official and becomes part of the evidence your lawyer can use.
Collect Evidence if Possible
If you can, take photos or video of the scene, your injuries, and any damage. Get names and contact info of any witnesses. This information can help your lawyer build a strong case.
Contact a Lawyer ASAP
The sooner you talk to a lawyer, the better. They’ll protect your rights and guide you on what to do next. Waiting too long can make it harder to collect evidence or meet legal deadlines.
Do I have a case if I was a passenger?
Yes, passengers often have the right to file a claim. If someone else caused the crash, you may be able to get compensation for your injuries and losses.
What if the operator was intoxicated?
If the driver was drunk or high, they may be clearly at fault. This can make your case stronger. A lawyer will work to prove that their actions led to your injuries.
How long does the claims process take?
It depends. Some cases settle in a few months, while others take longer if they go to court. Your lawyer will give you a better idea based on your case details.
How much does it cost to hire a lawyer?
Most boat accident lawyers work on a no-win, no-fee basis. That means you don’t pay unless they win money for you. The lawyer’s payment comes out of the settlement or court award.
Contact Chicago Boat Accident Attorney Near You at Phillips Law Offices
If you or a loved one was hurt in a boat or jet ski accident, Phillips Law Offices in Chicago is ready to help. We offer free consultations, so you can find out if you have a case without paying anything upfront.
Our team understands the unique challenges of watercraft accidents and will work hard to get you the compensation you deserve. Whether your crash happened on Lake Michigan, a local river, or a rented jet ski, we’ll guide you through each step.
Getting legal help quickly can make a big difference. Call (312) 598-0917 or visit Phillips Law Offices today and take the first step toward getting your life back on track.
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