What to do After a Boat Accident in Texas?

April 29, 2025 | By Suits & Boots Accident Injury Lawyer
What to do After a Boat Accident in Texas?

You and your family were recently injured in a boat accident in Texas, and you think another party caused the accident. You have legal questions, so speak to an experienced boat accident attorney in Texas to learn your legal options. A Houston boat accident lawyer will determine if another party’s negligence triggered the accident. If so, you can receive compensation for your economic and non-economic damages.

Texas Boat Accident Statistics

Boating is a popular recreational activity in Texas, with numerous lakes and rivers attracting millions of residents and visitors yearly. However, with the increase in boating activities, there has also been a rise in boat accidents. Understanding the boat accident statistics in Texas can help you understand the importance of taking proper precautions while enjoying the waterways.

According to the Texas Parks and Wildlife Department, there were 205 reported boat accidents in Texas, in a recent year. These accidents resulted in 44 fatalities, 85 injuries, and over $2 million in property damage. In many cases, boating accidents happen because of another operator’s negligence. If necessary, retain a boat accident lawyer to represent you in insurance negotiations or the courtroom. 

What to do After a Boat Accident in Texas?

What Causes Boat Accidents?

Understanding the common causes of boat accidents can help boaters take preventive measures to ensure their safety and the safety of others. Some of the leading causes of boat accidents in Texas include:

  • Operator Inattention: The operator’s failure to pay attention to their surroundings is a significant cause of boat accidents. Distractions such as using cell phones, playing loud music, or socializing with passengers can lead to collisions or other accidents.
  • Excessive Speed: Operating a boat at excessive speeds increases the risk of accidents, especially in crowded areas or during adverse weather conditions. Speeding makes it difficult for operators to react quickly to unexpected obstacles or changes in the water conditions.
  • Alcohol and Drug Use: Boating while under the influence of alcohol or drugs impairs judgment, coordination, and reaction time, making it dangerous for both the operator and other boaters. Intoxicated boating is illegal in Texas and can result in severe penalties.
  • Inexperienced Operators: Lack of experience or training in boat operation can contribute to accidents. Proper education and training are essential for operators to navigate watercraft safely.
  • Weather Conditions: Adverse weather conditions, such as high winds, rough waters, or limited visibility, can increase the risk of accidents. Boaters should check weather forecasts before heading out and always be prepared for changing conditions.

What To Do After A Texas Boat Accident?

You should take several vital actions after a boat accident caused by no fault of your own: 

Immediate Actions

After a Texas boat accident, prioritize safety and immediate action. Texas law requires reporting accidents to the Texas Parks and Wildlife Department (TPWD) within 30 days if there’s injury, death, or property damage over $2,000

Document the scene by taking photos of the boats, injuries, and surroundings, and exchange contact and insurance information with other parties involved. Avoid admitting fault or discussing the incident in detail until you’ve spoken with authorities or legal counsel.

Medical Considerations

Seeking medical attention promptly is critical, even if injuries seem minor. Some injuries, like concussions or internal trauma, may not be immediately apparent but can worsen without treatment. Visit a hospital or doctor as soon as possible, and keep detailed records of all medical visits, diagnoses, treatments, and expenses. These records are essential for insurance claims or legal proceedings. 

Follow your doctor’s recommendations for recovery, including follow-up appointments or therapy, to prevent complications and strengthen any potential injury claims. If you experience ongoing pain or symptoms, report them to your healthcare provider immediately. In Texas, the statute of limitations for personal injury claims is generally two years, so timely medical documentation can support your case if you pursue compensation.

Consulting a boat accident lawyer familiar with Texas boating laws is advisable, especially if the accident involves significant injuries or disputes. An attorney can help handle the complexities of maritime law, which often applies to boating accidents and Texas-specific regulations. Your attorney will investigate the accident and evidence to prove if another person’s negligence led to your injuries. 

Gather evidence, including the TPWD accident report, witness statements, and photos, to share with your lawyer. Your attorney will assess liability, which may involve the boat operator, manufacturer, or other parties, and determine if negligence, such as operating under the influence or failing to follow navigation rules, contributed to the accident. They can negotiate with insurance companies to ensure fair compensation for medical bills, lost income, and pain and suffering. Be cautious when dealing with insurance adjusters, as they may offer low settlements or pressure you to admit fault. Avoid signing any documents without legal review.

Insurance and Compensation

Notify your insurance provider promptly, providing accurate details without speculating on fault. If you’re the victim, you may file a claim against the at-fault party’s insurance for damages. In Texas, boat insurance isn’t mandatory, but many operators carry it, and coverage may include liability for injuries or property damage. 

If the at-fault party is uninsured, your attorney can explore other avenues, such as your own uninsured boater coverage or a lawsuit. Keep records of all expenses related to the accident, including repairs, medical costs, and lost income, to support your claim. A Houston personal injury attorney can help calculate non-economic damages, like pain and suffering, which Texas law allows in personal injury cases

Long-Term Considerations

After addressing immediate medical and legal needs, consider the long-term impacts of the accident. If injuries result in permanent disability or require ongoing care, your attorney can pursue compensation for future medical expenses and loss of earning capacity. Psychological trauma, such as PTSD from a severe accident, should also be documented and included in claims. 

If the accident involved a defective boat or equipment, your attorney may investigate product liability claims against the manufacturer. Stay proactive in monitoring your health and legal case, as resolving boating accident claims can take time, especially if litigation is involved.

Who May Be Liable For A Boat Accident?

Determining liability in a boat accident requires thoroughly investigating the circumstances leading to the incident. Various parties may be held accountable for the damages and injuries caused by a boat accident, including:

  • Boat Operators: The boat operator may be held liable if their negligence or recklessness contributed to the accident. This includes cases where the operator was under the influence of alcohol or drugs, not paying attention, or operating at excessive speeds.
  • Boat Owners: If the boat involved in the accident was owned by someone other than the operator, the owner may be held responsible for negligent maintenance, improper equipment, or failing to ensure the boat was in safe working order.
  • Rental Companies: In cases where the boat involved in the accident was rented, the rental company may be liable if it failed to provide proper instructions on boat operation or if it rented the boat to someone who was clearly unfit or inexperienced.
  • Manufacturers: If the boat accident occurred due to a defect in the boat’s design or manufacturing, the manufacturer may be held liable for any resulting damages or injuries.

Determining liability in a boat accident can be complex, and it is essential to consult with a boat accident attorney to assess your case accurately.

How Do Boat Accidents Happen?

Boat accidents can happen in various ways, and understanding the common types of accidents can help boaters be more cautious and take preventive measures. Some of the most common types of boat accidents include:

  • Collisions: Boating accidents are significantly caused by collisions with other boats, fixed objects, or floating debris. Operators must maintain a proper lookout and navigate at safe speeds to avoid collisions.
  • Capsizing and Swamping: Boat capsizing or swamping can occur due to rough water, high winds, or overloading the boat with passengers or equipment. Proper weight distribution, following weight limits, and paying attention to changing weather conditions can help prevent these accidents.
  • Groundings: Groundings happen when a boat runs aground or hits a submerged object. It can cause significant damage to the boat and potentially injure passengers. Paying attention to navigational aids, charts, and depth finders can help avoid grounding incidents.
  • Falls Overboard: Accidental falls overboard can occur due to unstable or overcrowded boats, sudden changes in speed or direction, or passenger recklessness. Wearing life jackets and maintaining balance on the boat can minimize the risk of falls overboard.
  • Flooding and Sinking: Equipment failure, improper maintenance, or severe weather conditions can cause flooding and sinking accidents. Regular maintenance and inspections of boats and equipment can help prevent these accidents.

Understanding how boat accidents happen can empower boaters to take necessary precautions and prioritize safety while enjoying the waterways.

How Can A Boat Accident Attorney Help Me?

If you have been involved in a boat accident in Texas, contacting a boat accident attorney can provide you with the legal guidance and support you need. A boat accident attorney can help in the following ways:

  • Investigating the Accident: The attorney will thoroughly examine the circumstances surrounding the boat accident, collect evidence, interview witnesses, and reconstruct the accident scene if necessary. It will help determine liability and build a strong case.
  • Handling Insurance Companies: Dealing with insurance companies can be complex and overwhelming, especially when recovering from injuries or dealing with property damage. A boat accident attorney can handle all communications with the insurance company on your behalf, ensuring that your rights and interests are protected.
  • Negotiating Settlements: An experienced boat accident attorney will skillfully deal with the responsible party’s insurance company to seek fair compensation for your injuries, medical expenses, lost income, and pain and suffering. They will fight for your best interests and ensure you receive your deserved compensation.
  • Representing You in Court: A boat accident attorney will be prepared to take your case to court if a fair settlement cannot be reached. They will advocate for your rights and present a compelling case to the judge and jury.

How Much Is My Boat Accident Injury Worth?

The value of a boat accident injury claim depends on various factors, including the severity of the injuries, the impact on your life and livelihood, medical expenses, loss of income, and pain and suffering. Each case is unique, and the compensation amount can vary.

To determine the potential value of your boat accident injury claim, it is essential to consult with a boat accident attorney. They will evaluate your case, consider all the relevant factors, and estimate the compensation you may be entitled to.

Remember that boat accident injury claims can involve economic and non-economic damages. Economic damages include medical expenses, property damage, and loss of income. Non-economic damages refer to pain and suffering, emotional distress, and loss of enjoyment of life.

Consulting with a boat accident lawyer will ensure your rights are protected and you receive the maximum compensation for your injuries. Your attorney is highly skilled and experienced in insurance negotiations and will demand fair compensation for your medical bills, lost income, pain and suffering, and more. 

Speak To A Texas Boat Accident Attorney Today

If you have been involved in a boat accident in Texas, it is vital to seek the assistance of a boat accident attorney. They understand the complexities of boating laws in Texas and can provide the guidance and support you need to navigate the legal process.

Contact a Texas boat accident attorney near you to discuss your case and understand your legal options. They will review the details of your accident, provide personalized advice, and fight for the compensation you deserve. Remember, boat accident cases have a statute of limitations, so acting promptly to protect your rights is essential.

Your boat accident lawyer works on a contingency fee basis, meaning that you do not pay legal fees unless they obtain compensation for you. Furthermore, a boat accident attorney will remove the stress of the insurance and legal complications from your shoulders. That way, you can focus on recovery and healing.