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Forum: Fountaine Pajot 29-11-2017, 19:45
Replies: 68
Views: 18,052
Posted By Cottontop
Re: Escape Hatch Failure

Amazing video, if it's real, but I think if your cat capsizes, there won't be a spark plug handy.
Forum: Our Community 24-09-2017, 07:16
Replies: 306
Views: 20,672
Posted By Cottontop
Re: California communities suing for polluters to pay for storm damage

The retail price for a kwh in Texas, where production is a competitve market, is 3-4 cents. The production cost is, of course, a fraction of that.

Solar is not yet cost-competitive, or even...
Forum: Our Community 23-09-2017, 21:58
Replies: 306
Views: 20,672
Posted By Cottontop
Re: California communities suing for polluters to pay for storm damage

Better building codes have made it to PR, but only a few years ago. Now a lot will be replaced with structures that will survive, next time. Slowly, things improve.
Forum: Dollars & Cents 23-09-2017, 16:34
Replies: 260
Views: 20,594
Posted By Cottontop
Re: Marine insurance, going naked.

And so do you. But neither of us knows how often friends get hurt and don't sue.

But if there's 3 chances in 10,000 of losing everything I have, I'll insure against that if I can.
Forum: Dollars & Cents 23-09-2017, 16:02
Replies: 260
Views: 20,594
Posted By Cottontop
Re: Marine insurance, going naked.

You suggested that the chance of being sued by a friend who got hurt on your boat were "vanishingly small" in the US.

Took me about two minutes to find three cases. I guess we might disagree as...
Forum: Dollars & Cents 23-09-2017, 15:16
Replies: 260
Views: 20,594
Posted By Cottontop
Re: Marine insurance, going naked.

I picked the three cases above because they all involve friends and family suing each other. Depressing. But the cynical among us (and you know who you are) will suggest that the potential of...
Forum: Dollars & Cents 23-09-2017, 15:12
Replies: 260
Views: 20,594
Posted By Cottontop
Re: Marine insurance, going naked.

This thread is about NOT having insurance.

One thing that hasn't been mentioned is that negligence is often a question that goes to a jury. Getting to a jury is very expensive in the US. If you...
Forum: Dollars & Cents 23-09-2017, 12:30
Replies: 260
Views: 20,594
Posted By Cottontop
Re: Marine insurance, going naked.

You think?

$10 million suit: Boater charged, sued in death (https://www.macombdaily.com/article/MD/20091001/NEWS/310019967)

$ millions: Stew Leonard's Founder Sued in Boater's Death |...
Forum: Our Community 23-09-2017, 10:23
Replies: 306
Views: 20,672
Posted By Cottontop
Re: California communities suing for polluters to pay for storm damage

These studies go many bridges too far and have little credibility. For instance,

- payments to Black Lung victims are free from income tax. That is a "subsidy" to the coal industry.
-...
Forum: Our Community 23-09-2017, 08:20
Replies: 306
Views: 20,672
Posted By Cottontop
Re: California communities suing for polluters to pay for storm damage

There are lots of greedy folks out there trying to get their hands on other people's money.

If you can't beat 'em, join 'em.

I'm going to figure out everyone that has a bigger carbon footprint...
Forum: Weather | Gear, Reports and Resources 13-09-2017, 19:30
Replies: 26
Views: 3,211
Posted By Cottontop
Re: NOAA Hurricane Forecasts

You will get a lot of flack, because your recollection is incorrect. Five days before Irma impacted the Florida mainland, the cone covered both coasts, and it never stopped covering both coasts. ...
Forum: General Sailing Forum 07-09-2017, 04:59
Replies: 28
Views: 3,517
Posted By Cottontop
Re: Can Insurance companies survive and impact

It's getting harder and harder to get insurance along the Texas coast, and as most lenders require insurance, harder to get a loan, which means less poorly-built housing along the coast. It takes...
Forum: Off Topic Forum 02-09-2017, 06:52
Replies: 54
Views: 7,961
Posted By Cottontop
Re: A dinghy and a lawsuit

Go to court. Take your friend if he'll go. Take evidence that hypalon boats need air on occasion. Worst that happens is you get the boat back, if the guy hasn't damaged it.
Forum: General Sailing Forum 01-09-2017, 07:48
Replies: 22
Views: 3,261
Posted By Cottontop
Re: wonder what others pay for liability insurance

Quite right. If you injure someone badly, or disable them, $300,000 won't begin to pay the bill.
Forum: General Sailing Forum 11-08-2017, 10:34
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

Apparently not. Car was parked. But I understand not wanting facts to clutter up an already firmly held opinion.

Have you ever spilled coffee in your lap? Me too. It hurt. But it didn't put...
Forum: General Sailing Forum 10-08-2017, 14:04
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

No, no, see my first two points. I brought it all back on topic and wrapped it up nicely.:smile:
Forum: General Sailing Forum 10-08-2017, 13:38
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

Understand the risks. If you injure someone, or are injured by someone; there can be millions of dollars at stake. Don't imagine that money will just fall out of the sky because it's "right," or...
Forum: General Sailing Forum 10-08-2017, 12:52
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

The US is similar, but these programs will not keep you in the middle class if you can no longer work. 1 in 10 in the US now makes >100k. If you have 20-30 years of working left, that's millions of...
Forum: General Sailing Forum 10-08-2017, 09:31
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

Many don't have a plaintiff mentality until they are injured severly enough to be disabled, lose their job and realize they are about to be homeless.
Forum: Cruising News & Events 10-08-2017, 06:28
Replies: 65
Views: 8,292
Posted By Cottontop
Re: French taxes keeping visiting boats away..

If you can find a job. Youth unemployment:

France - 21.6%
US - 9.1%
Germany - 6.7%
Forum: General Sailing Forum 09-08-2017, 15:47
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

A little more about the case, from the 'Lectric Law Library:

McDonalds also said during discovery that, based on a consultants advice, it held its coffee at between 180 and 190 degrees fahrenheit...
Forum: General Sailing Forum 09-08-2017, 15:23
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

Those scumbag lawyers:

McDonalds' Hot Coffee Case - Read the Facts NOT the Fiction

Provided by the Center for Justice & Democracy, New York City

The “McDonald’s coffee” case. We have all...
Forum: General Sailing Forum 09-08-2017, 15:02
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

It's not and it shouldn't be. Should seeking justice carry the risk of financial ruin? How many individuals could pay the legal expenses of a big company if they lose?
Forum: General Sailing Forum 09-08-2017, 07:28
Replies: 99
Views: 7,257
Posted By Cottontop
Re: just wondering about liability release

The enforceability of releases is a state law question, so there are 50 answers.

But the starting point is that at least 45 states will enforce a well-written release.

Are there exceptions? ...
Forum: Cruising News & Events 07-08-2017, 19:08
Replies: 62
Views: 11,084
Posted By Cottontop
Re: Annapolis Sailboat show ?

Don't miss the state house in Annapolis, where Washington turned in his commission. Huge moment in US history.
Showing results 1 to 25 of 431

 
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