Are cruise ship injuries covered by insurance?

Yes, cruise ship injuries are typically covered by insurance. In Maryland, cruise ship passengers are protected by the Cruise Vessel Security and Safety Act (CVSSA) and its regulations. This law requires that all vessels that operate out of Maryland must maintain adequate insurance coverage for passenger injury. Typically, insurance for cruise ship accidents will cover medical expenses, pain and suffering, physical and mental trauma, and loss of enjoyment of life. If passengers are injured as a result of negligence or other forms of wrongdoing, then the vessel’s insurance company may be liable for their losses. In some cases, a claim for punitive damages may also be made, which may result in a higher than usual settlement. If the passenger’s injury was caused by a crewmember or other personnel, the ship’s insurance policy may also cover their medical bills, lost wages, and other costs. In addition, the passenger may be able to pursue a lawsuit against the offending person or entity. It is important to understand that insurance coverage amounts for cruise ship accidents vary depending on the type of claim being made and the policy of the vessel. It is recommended that passengers research the vessel’s specific insurance coverage and speak with a knowledgeable attorney before proceeding. In any case, passengers should take steps to ensure that they are properly insured before boarding a vessel.

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