Salvage Rights?

So in the boating world you can get modern pirates. If I became stuck in my boat and someone came and offered to tow me off they could claim salvage rights on my boat. Somebody said there is something you can say to the other boat, something about insurance that then makes the other boat unable to claim your boat... show more So in the boating world you can get modern pirates. If I became stuck in my boat and someone came and offered to tow me off they could claim salvage rights on my boat. Somebody said there is something you can say to the other boat, something about insurance that then makes the other boat unable to claim your boat as salvage. Does anyone know what this is.
TIA
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