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Injured in a boat accident?Talk to a lawyer for free.

The operator must stop, help and report any injury beyond first aid to the state within 48 hours.

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Months later they reached out to inform me that they lowered some of the medical bills and were issuing another payment.
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Results that speak.Millions won for injured clients.

We've won over $500 million in verdicts and settlements for our clients, among them people with nerve and spinal injuries.

Recognized for excellence

Avvo Rating: Excellent, Top Rated Personal InjuryTop Rated by Super Lawyers
  • $6.25MPersonal injuryA confidential personal injury settlement.
  • $5MAuto accidentFor a husband and wife after the husband suffered a brachial plexus injury.
  • $2.34MAccident claimA win for a client injured in an accident.
  • $2.1MTruck accidentFor a client with spinal and orthopedic injuries after a crash with a commercial truck.

Past results do not guarantee future outcomes, and each case is different.

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After a boating accident,what to do first.

Six steps for the first days and weeks, from the dock to the deadlines.

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  • Stop, help and report it
    Each operator involved has to stop if it's safe, help anyone injured and give their name, address, the boat's registration and the owner's name. If anyone needs more than first aid, a report to the Division of Boating and Waterways is due within 48 hours; for damage over $500, within 10 days.
  • Write down boats, names and places
    Photograph the boats, their registration numbers, the damage and the life jackets on board, and note exactly where it happened. The state keeps accident reports confidential, but it must share the names, addresses and boat numbers with anyone injured.
  • Get checked and keep the records
    After a near-drowning, a blow to the head, a propeller injury or carbon monoxide from engine exhaust, see a doctor promptly and keep every record. A nonfatal drowning can range from no injury to brain damage or a permanent disability.
  • Find every policy that may apply
    Ask for the operator's and the owner's insurance details. Boat policies commonly include medical payments for people on board, while a homeowner's policy may cover a small boat with little or no liability coverage. A rental company, marina or charter may carry its own.
  • Be careful with early offers
    An adjuster can be on the phone within days. Signing a release normally closes the claim for good, and the full cost of a near-drowning or a spinal injury can take months to show. Many people talk to a lawyer before they sign.
  • Six months if an agency is involved
    The usual deadline to sue is two years, or up to three for a federal maritime claim. If a public agency ran the lake, the marina or a patrol boat involved, the agency usually has to receive a written claim within six months.

After a boat accident,who pays, and for what?

Usually the operator who caused it, through a boat or homeowner's policy if there is one. A claim can include medical bills, lost pay, pain and suffering, and the care a serious injury will need for years.

Who may be responsible

Often more than one party

  • The operator of your boat or another one, jet skis included
  • The owner who let someone else run the boat
  • A rental company, marina or tour operator
  • The maker of a defective hull, engine or part

Insurance that may pay

Depending on the boat and the policies

  • Liability coverage on the operator's or owner's boat policy
  • Medical payments coverage for people on board
  • A rental, marina or charter business's insurance
  • Your own health insurance while the claim is pending
  • 3 in 4U.S. boating deaths in 2024 were drowningsAnd 87% of those who drowned weren't wearing a life jacket (U.S. Coast Guard, 2024 report). Alcohol played a part in 20% of deaths, more than any other known factor.
  • $10,000an owner's usual limit for a borrowed boatWhen someone runs a boat with the owner's permission, the owner shares responsibility for that person's carelessness, but generally only up to $10,000 per injured person (Harbors and Navigation Code §661). The operator's own responsibility has no such limit.
  • 3 yearsto sue when federal maritime law appliesIt may apply on navigable waters such as the Delta, San Francisco Bay or the ocean (46 U.S.C. §30106). Most other California injury lawsuits allow two, and a passenger ticket can set a shorter time.
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Why choose Valero Law Group?

We champion every case,big and small.

Whether your case is worth $5,000 or $5 million, we bring the same skill, attention and determination to every client we represent.

So don't let the size of your case keep you from seeking justice: every injury deserves serious representation. Let us fight for the compensation you're owed while you focus on what matters most, your recovery.

They made me feel like a priority, and they put my needs first as a client.

IsabelValero Law Group client

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Real clients,in their own words.

  • Samuel M. smiling in the Valero Law Group office with his $881,000 settlement check
    Samuel M.$881,000
  • Victoria M. smiling in front of the Valero Law Group logo wall with her $625,000 settlement check
    Victoria M.$625,000
  • Karina C. smiling in the Valero Law Group office with her $625,000 settlement check
    Karina C.$625,000
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    Angela M.$625,000
  • Destiny H. smiling with her $500,000 settlement check
    Destiny H.$500,000
  • Javier P. smiling in the Valero Law Group office with his $375,000 settlement check
    Javier P.$375,000
I had a lot of medical expenses and Liz helped me close those account quickly, she took care of my case like it was her own.
Alexia M.Google review
Read all 400+ of our reviews
After talking to Leticia I felt comfortable. She gives me updates almost every day, makes sure I know the importance of attending my therapies…
Miguel L.Google review
Shout out to Valero for helping me with my accident. They're quick and friendly.
Kevin R.Google review
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Al Barro Foundation: supporting over 400 orphans in Mexico

From the community, for the community.

Hablamos español.

We're a Hispanic-focused firm with native Spanish-speaking attorneys. We understand your family's needs, walk you through every step in your language, and fight to get you every dollar you deserve.

Organizations we support

Sponsor of the 2024 Share the Road Scholarship

Our community outreach
  • Al Barro Foundation
  • EUNIME por Tijuana, A.C.
…they speak excellent Spanish, know how to help, and look out for their clients' best interests.
Yesica H.Google review

Organizations we support

Sponsor of the 2024 Share the Road Scholarship

Our community outreach
  • Al Barro Foundation
  • EUNIME por Tijuana, A.C.

Common questionsafter a boat accident.

Who is responsible for a boat accident?
Usually whoever ran a boat carelessly, whether the accident was a collision, a capsizing, a fall overboard or a wake injury. California law forbids operating a boat in a reckless or negligent manner. A lending owner, a rental company or marina, or the maker of a defective part may share the blame. If you were partly at fault, the award shrinks by your share but doesn't disappear. When someone drowned or was killed, see our wrongful death page.
What if the operator had been drinking?
Running a recreational boat with a blood alcohol level of 0.08% or more is illegal, and so is running any boat while impaired by alcohol or drugs (Harbors and Navigation Code §655). For boats that aren't recreational, such as commercial vessels, the limit is 0.04%. A sheriff's or harbor patrol report and any test results can help show what happened.
I was injured on a rented boat or jet ski. Does the waiver I signed end my claim?
Not always. A release can't excuse gross negligence or a violation of law, and a rental company answers for its own carelessness, such as poor upkeep or handing the controls to someone too young. Children under 12 may not run a boat with a motor over 15 horsepower, and 12- to 15-year-olds only with an adult on board supervising (§658.5).
Does federal maritime law apply to my case?
It may. On navigable waters, such as the Delta, San Francisco Bay, the ocean and major rivers, a collision between pleasure boats can fall under federal maritime law. It allows three years to sue, and it lets a boat's owner ask a federal court to limit what they owe to the boat's value, a request due within six months of a written claim. A ticket for a tour, charter or cruise can require notice of a claim and a lawsuit sooner. Many inland lakes may be treated differently.
Do the life jacket and Boater Card rules matter?
They can. Children under 13 must wear a Coast Guard-approved life jacket on a moving recreational boat unless they're below deck or in an enclosed cabin, and so must everyone on a jet ski (§658.3). Since 2025, motorboat operators generally need a California Boater Card, and the engine can't run while someone is on the swim platform (§681). A broken safety rule can be evidence of carelessness.
What if it happened at a public lake or marina?
The agency usually has to receive a written claim within six months. Agencies generally aren't liable for the natural conditions of an unimproved lake or river, or for hazardous recreation such as boating, with exceptions such as an unwarned known danger, a fee for the activity or a poorly kept dock. A private company running the marina isn't covered. Private landowners who let people use their land or water for free recreation have a similar protection, which doesn't apply if they charged for it, expressly invited the person, or willfully failed to warn of a danger.
What does a boat accident lawyer cost?
Nothing upfront. Your consultation is free, and no attorney's fees are owed unless we recover compensation for you. You may be responsible for case-related costs and expenses; we'll explain them before you sign.
Attorney Kyle Valero
Kyle ValeroAttorney, Valero Law Group

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