Both-to-Blame Collision Clause

A both-to-blame collision clause is a provision in a marine insurance policy that states that the insurer will pay for damages to the insured vessel even if the insured vessel is partially at fault for the collision. This clause is designed to protect the insured from being held liable for damages to another vessel if the collision was caused by the negligence of both vessels.

The both-to-blame collision clause is often used in policies that cover vessels that are involved in commercial shipping. This is because commercial vessels are often involved in collisions with other vessels, and the costs of repairing damage to a vessel can be significant. The both-to-blame collision clause helps to protect the insured from having to pay for these costs out-of-pocket.

The both-to-blame collision clause is not always included in marine insurance policies. If the clause is not included, the insurer will only pay for damages to the insured vessel if the insured vessel is not at fault for the collision. This can leave the insured with a significant financial burden if they are involved in a collision.

It is important to read the terms of your marine insurance policy carefully to determine whether or not the both-to-blame collision clause is included. If the clause is not included, you may want to consider purchasing an endorsement that will add the clause to your policy.

The both-to-blame collision clause is a valuable tool for protecting insured vessels from the costs of collisions. However, it is important to understand the terms of the clause before purchasing a marine insurance policy.