I had a guy smash into my boat in our marina. $12K in damage, completely destroyed my stern platform, split teak
rails, broke everything on the stern. Fortunately no hull
damage. I eventually found the guy (took two months), I had insurance
, and when I found him I got my deductible back. So for all the cost of insurance
, it takes a lot of $1200/year premiums to add up to $12K.
I had a guy in Mexico
smash into us, ripping a stanchion out of the deck
, and ripping into the teak
gunwales. Good luck getting money
back from those guys.
A few lessons I've drawn:
a) I'm financial responsible for my vessel. If I don't like a situation, no matter what anyone tells me unless they're going to pony up $100k, I'm doing what I decide. I normally don't pull the captain
card, but anchoring
are two areas where you can really put the vessel in jeopardy. I've had marina guys try to wave me into slips or people tell me that some particular spot is fine and it's "no problem" to fit in. Bullshit. Unless they're willing to pony up the money
and except all risk, their opinion isn't worth a pee over the rail. Marina managers, dock
workers, long time harbor residents, whatever. Don't disregard everyone's opinion out of hand but when things get pear shaped it's your ass.
b) I try to anchor
only in places with good holding and lots of room. If neither is the case, I won't stay for long. I really have no idea how I'm going to handle the Med. It sounds like tight quarters, idiots, and bad gear
c) No matter what you do you're not totally safe. You can be totally dialed in some anchorage and then at 2am an idiot shows up while you're sleeping. You can be in a great marina slip and your moron neighbor, or even some guy who went down the thoroughfare and zipped on out again, can smack into you while you're off the boat.