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.
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.
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!
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.
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.
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.
Stacy Shute (Hanlon)
The NO LIMITS Insurance Agency
866-728-9757 ext 101
Wake Zone Marine Insurance Brokerage, Inc. - CA License 0H05075
For an online quote: www.wakezoneinsurance.com
*** Please note that any insurance advice given is based on current information at the time of the original post. Insurance rates, terms, policies, markets etc change often. We can not be held liable for outdated information that can be found in older posts on this forum.
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.
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