Are cruise ship injuries covered by insurance?

In Washington, cruise ship operators must obtain special insurance policies to protect passengers from injuries or death that may occur during a voyage. The insurance must cover medical bills, lost wages, and other damages resulting from an accident. Cruise ship companies typically purchase uninsured or underinsured motorist insurance, commercial liability insurance, and personal injury protection insurance. Uninsured or underinsured motorist insurance covers passengers if the cruise ship operator is liable for an accident, but does not have the resources to pay for damages. Commercial liability insurance covers the costs of medical bills, lost wages, and other damages resulting from an accident. Finally, personal injury protection insurance covers passengers injured or killed in a cruise ship accident, regardless of who is at fault. Cruise ship passengers who are injured or killed in a voyage may also be able to recover some or all of their costs through a personal injury lawsuit. The passenger must show that the cruise ship operator was negligent in order to receive compensation for their injuries. Depending on the severity of the injury, the cruise ship company may be liable for medical bills, lost wages, pain and suffering, and other damages. For passengers injured or killed in a cruise ship accident, it is important to contact an attorney familiar with maritime law in Washington. An experienced attorney can assess the circumstances of the case to determine who is liable and help passengers maximize their chances of recovering the compensation they deserve.

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Are cruise ship injuries covered by insurance?

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