Under Florida law, injury victims can recover compensation for their injuries from negligent parties. But, unlike with passenger car and commercial truck insurance, Florida currently does not require liability insurance coverage for boats. This means, if you are injured in a boat accident, there is a fairly good chance that you will not be covered by an insurance policy for your immediate medical expenses.
Your only option to get compensation for your injuries may be to sue the liable parties for damages. But there is also no guarantee that they will have the funds needed to cover your expenses, and litigation can take a long time. Hiring a boat accident lawyer can help smooth this process out so you get compensation for your injuries in a timely fashion. A lawyer can investigate what insurance policies are in play, who might be liable, who has the ability to pay, and advise you properly.