RT930turbo

Just my .01 cent - The main reason I have insurance is not to cover my screw ups, but to cover me from other people who are out to get something for nothing.

Have you even been on the recieving end of a frivolous lawsuit? I have. In the end it was settled, but I would never be caught dead without insurance to cover me and my family.

Sh!t happens, do you ever leave you boat tied up for lunch? What if it drifts and smacks into someone elses expensive paintjob? What if you have a fire at a fuel dock and burn down a marina? Just think about the EPA spill response from something like that, and it gets scary. The $80 per month is worth it to know I have some coverage.

Crossett

I have not. I also do not have a wife or children, maybe if I did my priorities would be different.

Then I didn't have it tied up securely enough. Pretty easy to avoid

That would be a pretty bad situation, but how much of a risk do you actually think this is? At all the gas docks on my lake attendants pump the fuel. You can play the "what if" game all day.

bulletbob

You most definately DON'T have good judgement!

Crossett

Because I believe in personal responsibility and don't think insurance is mandatory?

Again, I ask this question

huskyrider

iTrader: (1)

I have 4 jet skis, 2 GPR1300R, XLT1200, GPR800R
All have insurance at twice the state minimum coverage amounts, and it's not that expensive to enjoy the peace of mind that if one of my college twins or their friends riding or driving have a mishap that I'm covered.

Note, I certainly don't want you to think I was trying to flame you. I was simply injecting my .02 for the benefit of the membership here, you included.
Trust me dude, the coin you save not paying for insurance is squat compared to the risk you place yourself in while operating any motorized vehicle on a road or a body of water.

See ya,
Kelly

RT930turbo

I guess you still kind of missed my points. I'm certainly not trying to pick a fight or point fingers, but unfortunately in todays world insurance is a must have in my opinion. Bad things usually happen to good people, I hope you are not next on that list!

RT930turbo

And for the record, my boat has never come untied, never had an accident, etc. Only insurance claim I've had in my life was when my house was cleaned out by some thugs in college.

jmeng

Jet ski? YES, without a doubt. To easy to steal, or get hurt on. Don't have a clue what a sunfish is but probably wouldn't insure a kayak.

Personally I think you're way too overconfident when it comes to how much control you have. What if you're tied up somewhere and someone flips a cigarette in your boat and it burns down. You could hit a submerged object that is impossible to see, knock the outdrive off, and sink the boat. Someone could wipe out your boat when you're trailering it. Ton's of scenereo's out there. You act like everyone that has ever had an accident is a careless jackass but schit happens to the best of us.

WakezoneINS

It hurts to bite my tongue this hard!!!!! lol

Crosset - The point of my commenting here is not to fault you in any way for your decision to not carry insurance. It is your decision to make. I do want to point out something to you from my standpoint. 90% of my boater's claims are for incidents that were FAR beyond our client's control... no matter how careful you are, you can't control other people. At a minimum, invest in a liability only policy.... on a 24 Baja it will run you around $267 per year..and will provide coverage for you, guests on your boat and any unforeseen incident. full coverage is only $573 (approximately). To me, it just seems to be such a minimal cost for peace of mind. But you are entitled to your opinion. I just wanted to point out the above to you based on my experience.

Trevor - Please do not take the advice to run without insurance. I can share with you story after story on why you shouldn't and why LONG term, it's not a good move.

Crossett

This is a sunfish


I don't mean to come off as an ass, my apologies if I did. I don't think that everyone that gets into an accident is careless. I know that sometimes things happen that you don't have control over. I just think those instances are the vast minority and paying attention will keep you out of harm's way 99% of the time.