The customer damaged by watercraft. What do I need to do? What are the next steps?
The renter should be fully aware of any damages or claims for additional expenses immediately. If you haven't already, please make sure to notify the customer of the issues. There may be a chance you both can work it out without filing a claim. We always try to encourage renters and owners to work together to resolve any issues with a booking first before we get involved.
If you and the customer cannot resolve the matter on your own, the next step would be to determine if you need to make a claim through GetMyBoat for the incidental coverage limit (formally the "deposit") or file an insurance claim with Falvey. Insurance claims would require that the customer or you purchased the optional rental insurance.
What is the difference between filing a claim for the Incidental Coverage and a claim for insurance?
The incidental coverage limit is the amount you put in your listing for the "deposit". GetMyBoat may charge the customer up to that amount for any valid claims. For example, if your "deposit" is $500, then GetMyBoat may charge the customer up to $500, but no further without the customer's consent.
Insurance claims start with a $1000 deductible and go up to a $3000 deductible depending on the insurance package purchased, if any. Please note you will need to verify if the customer purchased insurance for the rental if you plan on filing an insurance claim with Falvey. You can contact GetMyBoat Support and we can verify this for you or you can ask the customer for proof of insurance.
If the damage is below the deductible threshold, you will want to file a claim with GetMyBoat for the incidental coverage. If the damage is more than the deductible, you will want to file an insurance claim with Falvey.
If the amount is above your incidental coverage but below the insurance deductible amount, you will either have to come out of pocket to cover the difference or work directly with the customer to find a common ground.
Regardless, this is what you will need whether or not you're filing a claim for the incidental coverage or insurance:
Gather any documentation you have supporting your claim. Do you have any photographs, contracts, signed walk-throughs, estimates, invoices, receipts, or quotes that will help back up your claim? Please be prepared to send any necessary documentation requested.
Notify GetMyBoat and Falvey as soon as possible: For the incidental coverage, you MUST notify GetMyBoat of any problems within 48 hours of the trip being completed. Falvey needs to be notified of any potential claims within 72 hours of a trip completing. It is imperative you reach out to Falvey's claims department as soon as possible. Falvey will deny any claims made after 72 hours of the customer's return. To file a claim or notify Falvey of a potential claim, please email email@example.com or call the claims department at 401-675-9244.
Again, if you are not sure if the renter purchased insurance, please give us the name of the renter or captain they used so we can check our records to verify if any insurance was purchased.
Have the proper expectations. If your claim exceeds your incidental coverage limit but is below the insurance deductible, any differences in the amounts MUST be resolved between you and the renter as GetMyBoat cannot authorize charges beyond the incidental coverage limit unless implicitly authorized by the renter. This is why we suggest resolving the whole incident with the customer directly if possible before coming to us. However, we are here to help so if you do need to file a claim, just send us the necessary documentation and once we determine the claim is valid, we will issue you a payment for the amount requested. Please note that GetMyBoat tries to resolve incidental coverage claims within a week but some cases do take longer. Insurance claims can take longer. It's important you know the process and understand it when it comes to filing claims.
If you have additional questions, you can always contact us at GetMyBoat support by calling 818-927-2148 or emailing us at firstname.lastname@example.org.