Chicago Boat Accident Lawyer

Maximum Compensation for Boat Accident Injuries in Chicago

If you were injured in a boating accident on Lake Michigan or another local body of water, a Chicago boat accident lawyer from Chicago Injury Center is ready to help. We represent boat passengers, swimmers, and others hurt due to careless or reckless actions on the water.

Our attorneys understand the unique challenges of these cases and work hard to hold negligent boat owners and operators accountable while helping victims secure fair compensation for their injuries and losses.

Boat Accident Settlements Recovered by Our Chicago Law Firm

At Chicago Injury Center, our team of experienced Chicago personal injury lawyers has handled numerous complex cases across Illinois.

• $3,250,000 Settlement – Jennifer, a 29-year-old teacher, was thrown from a speedboat during a high-speed turn on Lake Michigan. The boat’s operator failed to ensure all passengers wore life jackets and lost control while recklessly maneuvering near a congested area. Jennifer was not located in time and tragically drowned. Her family brought a wrongful death claim against the boat owner and their insurer.
• $2,000,000 Settlement – Brian, along with five others, was injured when the boat they were riding slammed into an abandoned dock on the Chicago River. The operator was later found to be over the legal alcohol limit and lacked proper boating certification. Brian sustained broken ribs and a concussion, while others required stitches and physical therapy. Multiple claims were consolidated, and liability was uncontested.

What Makes Us the Best Boating Accident Attorneys in Chicago

At Chicago Injury Center, our top-rated Chicago boat accident lawyers have earned recognition for securing significant results in complex boating injury and wrongful death cases across Illinois. We’ve been recognized by Super Lawyers and the Million Dollar Advocates Forum, and we use that experience to hold negligent boat owners and operators accountable for the harm they cause.

Types of Boat Accident Cases We Handle

We represent victims in a wide range of boating accident scenarios, including:

• Collisions between motorboats or personal watercraft
• Jet ski accidents
• Boating accidents involving kayaks, canoes, or paddleboards
• Capsizing or sinking incidents
• Dock and marina accidents
• Fires or explosions aboard vessels
• Passengers thrown overboard
• Boat accidents during rental or charter trips
• Accidents involving tour boats or commercial vessels
• Incidents during recreational water activities (e.g., tubing or waterskiing)
• Swimmers struck by boats in open water
• Hit-and-run boating accidents

What Are the Most Common Causes of Boat Accidents in Chicago?

In Chicago, most boating accidents are caused by operator error, alcohol use, and excessive speed. Inexperienced boat drivers, especially in crowded areas like Lake Michigan, often fail to follow proper safety precautions.

Other frequent causes include mechanical failures, distracted operation, failure to maintain proper lookout, and boating in adverse weather conditions or low visibility. Many accidents also involve boats lacking adequate equipment required under Illinois law and U.S. Coast Guard regulations.

What Are the Most Common Boat Accident Injuries?

Common boat accident injuries in Chicago include traumatic brain injuries, spinal cord injuries, broken bones, and severe lacerations. Many victims also suffer from drowning-related complications, hypothermia, and internal injuries. Falls overboard, collisions, and high-speed impacts often lead to traumatic injuries and concussions.

In alcohol-related or high-speed crashes, passengers can be thrown against hard surfaces or into the water, increasing the risk of serious injuries that require long-term medical care and recovery.

What Damages Can Boat Accident Victims Recover in Chicago?

Boat accident victims in Chicago may be eligible to recover compensation for medical bills, lost wages, pain and suffering, emotional distress, and property damage. In cases involving severe injuries like traumatic brain injuries or spinal cord damage, victims can also seek damages for ongoing medical care, rehabilitation, and reduced earning capacity.

If the accident was caused by reckless or negligent behavior, punitive damages may also apply. A qualified Chicago boat accident lawyer can help identify all recoverable losses in your case.

What Is the Average Boating Accident Settlement?

Per Law.com, the average boat accident settlement in Chicago is $7,907,300, with a median value of $3.5 million. Settlement amounts range from $146,500 to over $27 million, depending on the specifics of each case. 

Higher compensation is typically awarded in cases involving permanent disability, death, or gross negligence, such as operating a vessel under the influence or ignoring maritime safety regulations. Other key factors include medical expenses, lost income, the extent of pain and suffering, and whether multiple parties were involved.

Example Boat Accident Cases in Chicago

Lake Geneva Collision Results in Lumbar Injury Settlement

Jeff Kozlowski, 42, sustained a lumbar disc injury after his boat was struck by another vessel driven at excessive speed on Lake Geneva before sunrise. The other driver, Michael Ieronimo, was found negligent for operating without lights and failing to adjust for low-visibility conditions. Kozlowski required physical therapy and injections, but no surgery.

The case settled for $146,500, with most paid through insurance. Allegations of intoxication were dismissed. Kozlowski claimed damages for medical costs and punitive damages.

Tubing Accident Leads to Neck Fractures and Partial Recovery

Cynthia Diamse, 28, suffered multiple neck fractures and underwent spinal surgery after a tubing accident on Saddle Lake, Michigan. She sued the boat operator and fellow riders, claiming negligence in boat operation, failure to warn, and improper tube inflation.

While the jury found in favor of the defense, a high-low agreement guaranteed a minimum payout. With settlements from two co-riders and the agreement, Diamse recovered $229,000 in total for her injuries, which included future medical concerns and permanent hardware.

Why You Need a Boating Accident Lawyer

Boating injury cases in Chicago often involve complex liability issues, especially when incidents occur on shared waterways. Unlike car accidents, boat accidents may fall under maritime law or involve multiple jurisdictions, including state and federal agencies like the US Coast Guard.

A Chicago boating accident lawyer understands how to investigate these cases, preserve crucial evidence, and file claims in Cook County or federal court. Legal support is key to dealing with insurance companies and pursuing full compensation.

How Common Are Boat Accidents in Chicago, IL?

In 2023, Illinois boating accident statistics revealed the state saw a notable uptick in recreational boating incidents, with 70 reportable accidents investigated—a 37% rise compared to the previous year. The number of injuries climbed slightly to 37, marking a 3% increase.

Most concerning, boating accident fatalities doubled from the prior year, reaching 12 deaths, or approximately six for every 100,000 registered recreational boats.

Many boating accidents involved victims who were not wearing personal flotation devices (PFDs), and officials believe eight lives might have been saved if PFDs had been used. Two of the deaths were linked to alcohol or drug use.

Where Do Boat Accidents Occur Most Often in Chicago?

In Chicago, boat accidents most often occur on Lake Michigan and the Chicago River, particularly near downtown marinas like Burnham Harbor and DuSable Harbor. These high-traffic areas see a mix of tour boats, private vessels, and jet skis, raising the risk of collisions, especially during summer weekends.

Incidents also happen near the locks and drawbridges, where narrow passages and operator inexperience can lead to serious injuries. Alcohol use, overcrowding, and poor visibility are frequent contributing factors in these locations.

What Boating Laws Govern Accident Claims in Chicago?

The Illinois Boat Registration and Safety Act (625 ILCS 45/) outlines rules for boat operation, equipment requirements, and accident reporting. Any violation can form the basis of liability in a boating accident claim.

Additionally, local ordinances may apply within the Chicago Harbor System. For example, City of Chicago Municipal Code § 10-40 governs harbor operations and safety rules enforced by the Chicago Harbors.

Jones Act

The Jones Act is a federal law that allows injured seamen and maritime workers to seek compensation if they’re hurt due to negligence while working aboard a vessel. Unlike standard workers’ compensation, this act requires proving fault, such as unsafe equipment, an untrained crew, or poor working conditions.

A skilled Chicago Jones Act attorney can help you understand your rights and pursue the full compensation you deserve.

How Long Do I Have to File a Boat Accident Lawsuit in Chicago?

In Illinois, most personal injury lawsuits, including those following boat accidents, must be filed within two years of the date of the injury, as set by the Illinois statute of limitations under 735 ILCS 5/13-202. Failing to file within this time can bar you from seeking compensation.

Do You Need to Report Boating Accidents in Illinois?

Yes, boating accidents in Illinois must be reported under specific circumstances. According to the Illinois Boat Registration and Safety Act (625 ILCS 45/6-1), operators must file a report with the Illinois Department of Natural Resources if the accident results in death, disappearance, injury requiring medical attention beyond first aid, or property damage exceeding $2,000.

Reports must be filed within 48 hours for accidents involving death or injury and within 5 days for others. A Chicago boat accident lawyer can assist with timely and accurate reporting.

What Is Negligence in Illinois Boat Accident Cases?

In Illinois boat accidents, negligence refers to a boat operator’s failure to act with reasonable care, such as speeding, failing to keep a lookout, or operating under the influence.

Negligence per se applies when a boater violates a safety law and that violation causes harm. In these cases, the violation itself may establish fault. A Chicago boat accident lawyer can evaluate whether either form of negligence applies to your claim.

Who Is Legally Liable for Boating Accidents in Chicago?

Determining legal responsibility after a boating accident in Chicago often involves examining the actions—or inactions—of several parties. Liability depends on who had control over the vessel, failed to follow safety rules, or contributed to dangerous conditions.

Boat Operator

The person operating the vessel is often liable when their negligence—such as speeding, alcohol use, or inattention—causes an accident. Operators must follow Illinois boating laws and prioritize safety to avoid injuring passengers or others on the water.

Boat Owner

Even if not present, an owner can be held responsible for allowing an unqualified or impaired person to operate their vessel. Liability may also arise from failure to maintain the boat or ensure it has proper safety equipment on board.

Rental Company

Boat rental services may be liable if they rent to inexperienced operators without providing proper safety instructions or if their vessels lack required safety features like life jackets or functioning lights. Poor maintenance can also trigger liability.

Boat Manufacturer

If a mechanical failure due to a design or manufacturing defect contributes to a crash, the boat’s maker may be liable. This includes faulty steering, engine issues, or defective personal watercraft that pose risks even with proper use.

Third Parties

Other parties—such as dock operators, event organizers, or additional vessel drivers—may be responsible if their actions or unsafe premises contribute to a boating accident. This can include poorly marked docks or negligent coordination during boating events.

Common Defenses in Chicago Boat Accident Cases

In Chicago cases involving boat accidents, defendants often argue that the victim assumed the risk, failed to wear a life jacket, or caused the accident through their negligence. They may also claim the accident was unavoidable due to weather or equipment failure.

As experienced Chicago boat accident attorneys, we counter these defenses by gathering Coast Guard reports, witness statements, and safety records. We also consult marine experts to demonstrate that the defendant’s actions—not the victim’s—were the actual cause of the injuries.

How to Strengthen Your Boating Injury Case in Chicago

To strengthen your case in Chicago, take action as soon as possible.

First, seek immediate medical attention, even if your injuries seem minor—this ensures your condition is documented. Report the incident to the Illinois Department of Natural Resources or the U.S. Coast Guard, depending on where the accident occurred.

Collect photos of the scene, boat damage, and injuries, and get contact information for all parties involved, including witnesses. Preserve all medical records, receipts, and proof of lost wages. Avoid discussing the incident with insurance adjusters before speaking to a boating accident lawyer.

A top-rated Chicago boat accident lawyer can help you gather evidence, handle insurance claims, and build a strong legal case.

How a Chicago Boat Accident Lawyer Can Help

A Chicago boat accident lawyer plays an essential role in protecting your rights after a serious boating incident. We manage the investigation, collect evidence, and coordinate with expert witnesses to build a strong case.

We also handle all communication with insurance companies and opposing counsel, helping you avoid costly mistakes. If a fair settlement isn’t offered, we are prepared to pursue litigation. Throughout the process, our focus remains on securing the best outcome for your recovery.

Chicago Boat Accident FAQs

How can I tell if I have a case?

If you were injured due to another party’s negligence—such as a reckless boat operator, unsafe conditions, or faulty equipment—you may have grounds for a case. An experienced Chicago boat accident lawyer can evaluate your specific situation.

What types of evidence do I need?

Helpful evidence includes photos of the damage, medical records, witness statements, police or Coast Guard reports, and any video footage. Proof of weather, speed, intoxication, or improper operation can also be useful when filing insurance claims.

How much does a boat accident attorney cost?

Most boat accident lawyers work on a contingency fee basis, meaning you don’t pay upfront. Legal fees are deducted as a percentage of your settlement or verdict only if your attorney recovers compensation for you.

Who can file a boat accident claim in Chicago?

Anyone injured in a boating accident—including boat passengers, operators, or swimmers—can file a claim. Family members may also file in wrongful death cases. A Chicago boat accident lawyer can help determine who qualifies to bring a case.

An intoxicated boater crashed into my boat and injured my child. Can the bar that served them be held liable?

Possibly. Under Illinois’ dram shop laws, an establishment that overserved an intoxicated person who then caused harm may share liability. This can apply in cases involving alcohol-related negligence.

I was riding a jet ski and got hit by a distracted boat operator. Who is responsible for covering my medical bills?

If the boat operator was negligent—such as being distracted or careless—they may be held liable. A Chicago jet ski accident attorney can help pursue compensation from their insurance or through a personal injury lawsuit.

Our boat was struck and seriously damaged. Should I document the damage with photos?

Yes. Taking clear photos of the damage, the surrounding conditions, and any injuries can strengthen your case. Documenting the scene thoroughly may help prove fault and support your insurance or legal claim.

Which boat activities are you legally responsible for as the boat operator?

As the operator, you’re responsible for the safety of all passengers, following Illinois boating laws, maintaining proper lookout, and avoiding collisions. You’re also required to provide adequate equipment and respond reasonably in emergencies.

Who is responsible for avoiding a collision between boats?

Both operators share the duty to avoid collisions, but fault often depends on who had the right of way and whether proper lookout or maneuvers were made. In many cases, comparative negligence is used to assign fault.

Who has the right of way on a boat?

Generally, powered boats must yield to sailboats, and overtaking boats must stay clear. Specific navigation rules apply based on location and boat type. Violations of right-of-way rules often contribute to boating accidents.

What is the number one reason for capsizing?

Overloading or improper weight distribution is a leading cause of capsizing. Weather, high waves, and sharp turns can also lead to instability, especially when boats are improperly loaded or safety precautions are ignored.

What are the best ways to avoid boating accidents?

Use proper safety equipment, wear life jackets, maintain safe speeds, avoid alcohol, follow navigation rules, and take boating safety courses. Operator attentiveness and weather awareness are key to preventing recreational boating accidents in Chicago.

Consult a Chicago Boat Accident Attorney Near You!

If you or a loved one were hurt in a boating accident on any Illinois waterway, the Chicago Injury Center is here to help. A trusted Chicago boat accident lawyer from our team can review your case, explain your legal options, and help you pursue fair compensation. We offer free consultations and work on a contingency fee basis, so you pay nothing unless we win. Contact us today.