Anyone else get the feeling that these insurance companies have a freakin' magic 8-ball that they use to determine if you get coverage or not, or what it will cost?
I did a little research a while back, on fatalities vs. boat types. All the data came from the USCG. According to the numbers, the most dangerous type of boat was a canoe. Now that doesn't speak to damage claims, but I'd be VERY interested in seeing the number of claims vs. the percentage of the boating population. I'm guessing that there is no statistical support for charging the guy with a $100K Cigarette 3 or 4 times as much as the guy with a $100K Sea Ray.