Cruisers Forum
 


Join CruisersForum Today

View Poll Results: What insurance do you carry for your boat ?
Fully insured 120 50.63%
Liability only 55 23.21%
Uninsured 62 26.16%
Voters: 237. You may not vote on this poll

Reply
 
Thread Tools Rate Thread Display Modes
Old 02-01-2012, 14:48   #181
Registered User
 
Hillbillylad's Avatar

Join Date: Aug 2010
Boat: Westerly Centaur
Posts: 207
Re: Going Uninsured !?

Quote:
Originally Posted by familycruisers View Post
I need to decide full or liability. 120 for liability, 230 for full w/ survey. That can be done for 250 and is good for 5 yrs. I paid 1k for the boat, boated most my life, pretty sure any accident with another craft will be the other guys fault. So watcha think I should do?
That's the sort of cover I'm looking for. you'll have to hook me up with this guy
__________________

__________________
Hillbillylad is offline   Reply With Quote
Old 02-01-2012, 15:06   #182
Marine Service Provider
 
peghall's Avatar

Community Sponsor
Cruisers Forum Supporter

Join Date: Feb 2011
Posts: 1,533
Re: Going Uninsured !?

I'm 99% certain that would qualify him, and therefore you.

Originally USAA was only for active duty and retired officers in any of the four services...then they made former dependents eligible (which is how, as an Army Brat, I became a USAA member 37 years ago)...about 10 years ago USAA made active and retired non-coms (and their dependents and former dependents) eligible...and just a couple of years ago opened up membership to anyone who's ever served--and their dependents too--provided they were honorably discharged if they aren't still in the reserves or whatever. So that SHOULD make your dad--and you--eligible.

And btw, USAA isn't just insurance any more...their banking and brokerage are among the very best. Check 'em out at USAA.com
__________________
2017 Peggie Hall
Specializing in marine sanitation since 1987
Author "The NEW Get Rid of Boat Odors"
https://www.amazon.com/New-Get-Rid-B...dp/1892399784/
peghall is offline   Reply With Quote
Old 02-01-2012, 15:08   #183
Don't ask if you can't handle it
 
sailorboy1's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: On the boat somewhere
Boat: Hunter 410
Posts: 12,319
Re: Going Uninsured !?

threads like this, autopilots, GPS, guns, anchors. rules of the road ............. all combine to make me more scared of other boaters than the dangers I worried about when I started sailing!
__________________
jobless, houseless, clueless, living on a boat and cruising around somewhere
sailorboy1 is offline   Reply With Quote
Old 02-01-2012, 15:18   #184
Registered User
 
Mike OReilly's Avatar

Join Date: Sep 2011
Location: Good question
Boat: Rafiki 37
Posts: 4,036
Re: Going Uninsured !?

Quote:
Originally Posted by Don Lucas View Post
threads like this, autopilots, GPS, guns, anchors. rules of the road ............. all combine to make me more scared of other boaters than the dangers I worried about when I started sailing!
Don't worry Don. I bet you can buy insurance for this fear as well

(Sorry. This was cheeky -- but I just had to)
__________________
Mike OReilly is online now   Reply With Quote
Old 02-01-2012, 15:27   #185
Nearly an old salt
 
goboatingnow's Avatar

Cruisers Forum Supporter

Join Date: Jun 2009
Posts: 13,649
Images: 3
Quote:
Originally Posted by Seahunter
Uninsured, unlicensed, inexperienced, unsurveyed, unkempt = expensive + irresponsible.
Nonsense, loads of activities are uninsured. That does not make people irresponsible. Remember it's not called an "accident" for nothing

Dave
__________________
Check out my new blog on smart boat technology, networking and gadgets for the connected sailor! - http://smartboats.tumblr.com
goboatingnow is offline   Reply With Quote
Old 02-01-2012, 15:29   #186
cruiser

Join Date: Aug 2011
Location: Tampa Bay area
Boat: Hunter 31'
Posts: 5,731
Re: Going Uninsured !?

Quote:
Originally Posted by Mike OReilly View Post
Uhm ... that's why I said to the limits of the policy and the deductible. It's not zero, your risk is to those limits.



Yes, that was me (and a few others as well).



Here again you are proving my point. What are the real odds of this happening? Very, very low indeed. Anecdotes and single events only prove something is possible. But they don't tell how probable an event is. If you fear everything that is possible, then you don't need insurance, you need therapy .



In my country you would have to show negligence to make this kind of claim stick. Perhaps US law is different, but here no judge would even hear a case over someone tripping over a line (even a misplaced one) on a boat: "Can you image? A line on a boat the wasn't properly stowed?!? Incredible"

All too often our society (at least here in Canada and the US) is driven to enact new policies or regulations based on unlikely events. At the same time we take incredible risks (driving a car!) and think nothing of it. It's irrational ... except if you are an insurance company who makes money off irrational fear. Then it's supremely rational .

Who "fears" something?

Sorry, but if I'm on your boat in rolling water or a storm, in the dark, and you send me forward, and I trip badly enough to hurt myself significantly, you ARE liable -- whether you have insurance or not.

If it happens because I wasn't paying attention to the water, or the storm, or whether you were about to tack (and announced it), it's "my bad."

That's the attitude *i* would take. On land if someone falls on your property, the courts pretty much assume it to be the property owner's fault, but marine law is different.

But there would be plenty to be sensibly worried about if a nearby boat was on fire. Dismissing that as "so fearful one needs therapy" is so extreme that such a person thinking that way might ... well ... need therapy.
__________________
Rakuflames is offline   Reply With Quote
Old 02-01-2012, 15:31   #187
cruiser

Join Date: Aug 2011
Location: Tampa Bay area
Boat: Hunter 31'
Posts: 5,731
Re: Going Uninsured !?

Quote:
Originally Posted by vcsmithuk View Post
This just gave me my humour fix for the evening. Brilliant.

But it would hardly fit anyone here. Fearful people don't take up sailing and stick with it.
__________________
Rakuflames is offline   Reply With Quote
Old 02-01-2012, 15:33   #188
Don't ask if you can't handle it
 
sailorboy1's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: On the boat somewhere
Boat: Hunter 410
Posts: 12,319
Re: Going Uninsured !?

Once people start using the words "marine" and "law" all bets are off! This is my experience after years here on CF!
__________________
jobless, houseless, clueless, living on a boat and cruising around somewhere
sailorboy1 is offline   Reply With Quote
Old 02-01-2012, 15:48   #189
Registered User

Join Date: Jul 2011
Location: No fixed abode - en route to NZ.
Boat: One-off 1904 Gaff-rig, 28' LOA
Posts: 33
Re: Going Uninsured !?

Quote:
Originally Posted by Rakuflames View Post
Who "fears" something?

On land if someone falls on your property, the courts pretty much assume it to be the property owner's fault, but marine law is different.
In which case I'm rather glad marine law is different, as it's quite absurd to think that someone could walk into my house, accidentally fall down my stairs or something and it's somehow my fault because I didn't say where the light switch was or something equally stupid. What happened to personal responsibility and accepting consequences? Why is it always someone elses fault? In the end it would be an individual choice to go to the foredeck in whatever conditions. You could always say no.
__________________
vcsmithuk is offline   Reply With Quote
Old 02-01-2012, 15:54   #190
Registered User

Join Date: Jul 2011
Location: No fixed abode - en route to NZ.
Boat: One-off 1904 Gaff-rig, 28' LOA
Posts: 33
Re: Going Uninsured !?

Quote:
Originally Posted by Rakuflames View Post
But it would hardly fit anyone here. Fearful people don't take up sailing and stick with it.
Still made me laugh though.
__________________
vcsmithuk is offline   Reply With Quote
Old 02-01-2012, 16:06   #191
Senior Cruiser
 
atoll's Avatar

Cruisers Forum Supporter

Join Date: Mar 2010
Location: gettin naughty on the beach in cornwall
Boat: 63 custom alloy sloop,macwester26,prout snowgoose 37 elite catamaran!
Posts: 9,312
Images: 75
Re: Going Uninsured !?

Quote:
Originally Posted by vcsmithuk View Post
Still made me laugh though.
don't think raku has actally sailed any where,he is still doing a risk assesment lol
__________________
my catamaran building project updates http://www.cruisersforum.com/forums/...36#post2502136
atoll is offline   Reply With Quote
Old 02-01-2012, 16:14   #192
Senior Cruiser
 
IslandHopper's Avatar

Cruisers Forum Supporter

Join Date: Dec 2009
Location: Bundaberg Queensland/Lake Bolac Victoria, Australia
Boat: 45ft Ketch
Posts: 1,202
Re: Going Uninsured !?

Quote:
Originally Posted by atoll View Post
don't think raku has actally sailed any where,he is still doing a risk assesment lol
Ouch..!!
__________________
IslandHopper is offline   Reply With Quote
Old 02-01-2012, 17:00   #193
Moderator Emeritus
 
Ex-Calif's Avatar

Cruisers Forum Supporter

Join Date: May 2007
Location: Singapore
Boat: Maxi 77 - Relax Lah!
Posts: 11,514
Images: 4
Quote:
Originally Posted by Rakuflames

Sorry, but if I'm on your boat in rolling water or a storm, in the dark, and you send me forward, and I trip badly enough to hurt myself significantly, you ARE liable -- whether you have insurance or not.

If it happens because I wasn't paying attention to the water, or the storm, or whether you were about to tack (and announced it), it's "my bad."

That's the attitude *i* would take. On land if someone falls on your property, the courts pretty much assume it to be the property owner's fault, but marine law is different.
I think you just crossed my liability threshold - LOL

I carry full medical and accident/dismemberment etc. insurance. I am the proverbial worth more lost at sea dude.

But I would never, never, ever, ever, sue a Skipper for injuring myself on a boat. That is the ultimate rudeness.

The only exception might be if I "paid" for training of some kind and the operation was truly negligent and I was truly hurt badly enough to affect future employment or quality of life.
__________________
Relax Lah! is For Sale <--- Click
Click--> Custom CF Google Search or CF Rules
You're gonna need a bigger boat... - Martin Brody
Ex-Calif is offline   Reply With Quote
Old 02-01-2012, 17:02   #194
Don't ask if you can't handle it
 
sailorboy1's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: On the boat somewhere
Boat: Hunter 410
Posts: 12,319
Re: Going Uninsured !?

like I said.............less expensive to kill them than let them be hurt
__________________
jobless, houseless, clueless, living on a boat and cruising around somewhere
sailorboy1 is offline   Reply With Quote
Old 02-01-2012, 17:08   #195
Senior Cruiser
 
FSMike's Avatar

Cruisers Forum Supporter

Join Date: Aug 2009
Location: Bahamas/Florida
Boat: Solaris Sunstar 36' catamaran
Posts: 2,654
Images: 5
Re: Going Uninsured !?

If I put a sign on my boat saying "uninsured", does that mean people will stop anchoring right on top of me?
__________________

__________________
Sail Fast Live Slow
FSMike is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 14:08.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.