Who is liable in the event of a boating accident on a Swiss lake? Collisions, alcohol, water-skiing... Find out about the rules and insurance in force.

Liability in the event of a boating accident on a Swiss lake

Introduction
General rules on liability in the event of an accident
Collision between two boats: who pays what?
Special cases: sailboats, boats that cannot be seen from each other
Alcohol and boating accidents
Water skiing accidents and liability
FAQ

⚓ Introduction

Sailing on Swiss lakes is a pleasure, but just like on the road, accidents can happen. Who is liable in the event of a collision? What are the risks associated with alcohol or water sports such as water skiing? This article explains the rules and insurance in force.

📜 General rules on liability in the event of an accident

In Switzerland, navigation rules follow principles similar to those of the Highway Code:

✔️ Priority for sailboats over motorboatsexcept under certain conditions.
✔️ Right-hand rule A boat arriving on your right has priority.
✔️ Careful navigation All skippers need to adapt their speed and avoid risks.
✔️ Compulsory third-party insurance This covers damage caused to third parties in the event of negligence.

💡 Tip: Just like on the road, if you do not comply with the rules, you may be held liable and penalised.

🚤 Collision between two boats: who pays what?

In the event of a collision between two boats, liability depends on the circumstances:

1. If a boat does not respect the right of way

The boat at fault (e.g. which does not respect the right-hand rule) is responsible for the damage.

2. If both boats are at fault

The respective insurers cover the damage according to the distribution of liability.

3. If a boat was stationary and is struck

The boat in motion is responsible to 100% damage caused.

⛵ Special cases: sailboats and boats that cannot be seen

1. Collision between a sailboat and a motorboat

In principle, the yacht has priorityexcept :
✔️ Approaching a port
✔️ If it is under engine (it then becomes a motorboat)

2. Collision between two boats that cannot see each other (e.g. tight bend, fog).

✔️ Each captain must be attentive to sound signals and navigation rules.
✔️ In the event of inattention by both partiesresponsibility is shared.

💡 Advice : Always use radar or an AIS system on large lakes to anticipate trajectories.

🍺 Alcohol and accidents on boats: what are the rules?

Alcohol at the wheel of a boat is subject to the same rules as on the road:

🚨 Maximum blood alcohol level: 0.5‰ (if you exceed this limit, you may be fined and have your driving licence withdrawn).
🚨 In the event of an accident involving alcoholIn this case, the captain's liability is increased and insurance companies may refuse to cover the damage.
🚨 Above 0.8‰the offence is considered to be serious and may lead to suspension of the navigation licence.

🎿 Water skiing accidents: who is liable?

1. If the skier hits another boat or a person

✔️ Le captain of the tractor boat is responsible.
✔️ Supervision is compulsory: the skipper must appoint an observer.

2. If the skier falls and injures himself

✔️ The skipper is liable for any failure to comply with the safety instructions.

💡 Advice : Always respect the authorised zones and the minimum distance from other boats (generally 50 metres).

❓ FAQ - All you need to know about liability in the event of a boating accident

1. Who pays in the event of an accident without insurance?

The person responsible must assume all costswhich can be very high.

2. Should I call the police in the event of an accident?

Yes, especially if there is injuries or major property damage.

3. What happens if a boat causes an accident because of excessive speed?

The skipper is liable, with a fine and possible withdrawal of licence.

4. Is liability insurance enough?

It covers third parties, but not damage to your own boat. For this, a comprehensive insurance is recommended.

5. Can you lose your boating licence in Switzerland?

Yes, particularly in cases of excessive alcohol consumption or dangerous driving.

🏁 Sailing in Switzerland

Sailing in Switzerland means abiding by specific rules, whether in the event of a collision, drinking alcohol or engaging in water sports activities. Good insurance and responsible driving can help you avoid many problems. Good luck and safe sailing! ⚓🚤