"NOYB" wrote in message
ink.net...
"JimH" ask wrote in message
...
"Hamish" wrote in message
ink.net...
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it
said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)
(clipped)
But how does your auto policy cover your watercraft. My insurance agent
recently pointed out to me that although my homeowners policy specifically
covers a boat up to 14 ft and under 25 hp, that's only while being used in a
body of water totally on my property (my swimming pool, maybe?), my boat
being used on the navigable river in front of my place is no longer covered
as soon as I pull away from my dock. They really want you to spend money to
cover each and every thing you might drive even though you can't drive more
than one vehicle, etc at a time. Furthermore, I would imagine that their
reason to specifically write in the policy that no other person using the
vehicle would be covered is to prevent the lawyers from looking for the
"deepest" pocket to sue in the event of an accident.
Tom G.