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 on the incidental coverage limit. 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").
What is the difference between filing a claim for the Incidental Coverage and an insurance claim?
The incidental coverage limit is NOT insurance. It is the amount an owner puts in their listing for the "deposit". GetMyBoat may charge the customer up to that amount for any valid claims. For example, if the "deposit" is $500, then GetMyBoat may charge the customer up to $500, but no further without the customer's consent for any claims for the incidental coverage.
If the damage amount is above your incidental coverage you will either have to come out of pocket to cover the difference or work directly with the customer to find a common ground. GetMyBoat does not offer insurance so unless you have your own insurance, any damage disputes must be handled between you and the customer.
If you do wish to file a claim for the incidental coverage limit, this is what you will need:
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 as soon as possible: For the incidental coverage, you MUST notify GetMyBoat of any problems within 48 hours of the trip being completed.
Have the proper expectations. If your claim exceeds the incidental coverage limit 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. 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 email@example.com.