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Default Oh, Canada

* NE Sailboat wrote, On 3/7/2007 8:38 PM:
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.


Would you really pay $12,000 for a refrigerator box? This is Neal
you're talking about. His home, boat, cat, and all of his body parts
would leave you about $11,700 short.
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Default Oh, Canada

NE Sailboat wrote:
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

And no .. Wilbur. You are not about to work on my boat. No way.

I want the guy at the marina. The one who brags about the $80,000 dollars
he extorted .. oopps I mean made ... last year doing paint jobs of
sailboats.


================
"Wilbur Hubbard" wrote in message
...

"NE Sailboat" wrote in message
news:y9IHh.9213$kf.145@trndny02...

Wilbur ,, if you for some unknown reason happen to bump into me ... not
that you would ever do this ... but just in case...

And I said "Hey, Wilbur, you owe me a new Awlgrip job and that cost
$12,000".

Are you going to pay it ??



He'll no I ain't gonna pay it. That's extortion and you know it. One
little scratch doesn't entitle you to a whole new paint job. You're only
entitled to get the scratch buffed out and painted to match. To be made
whole, so to speak. I can buff and paint with the best of them. I would
pay for a haul-out if necessary and I would paint the boo boo myself. More
likely, I'd be able to do job in the water. You'd get nothing more from me
other than an "I'm sorry for the inconvenience." If you're gonna live
life you gotta take the good with the bad. The most you should expect is
to not be out of pocket because of some idiot damaging your boat.

See, that's exactly the problem with insurance I'm talking about. Idiots
think if they get a little boo boo they deserve a whole new boat. Then
they complain to high heavens about ridiculous premiums. Sorry but things
don't work that way in the real world. If you want insurance to pay for
extortion then expect to pay confiscatory rates for insurance. You get
what you pay for.

Wilbur Hubbard




"Wuilbur" doesn not ahve a home...he has a bicycle...a dinghy...a
sailboard..and a voodoo doll named katy...and that's all he
has...oh..and his ancient laptop...you can't bleed blood from a rock..
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Default Oh, Canada


"NE Sailboat" wrote in message
news:rOJHh.1308$pi.633@trndny09...
Well then ... my lawyer will be seeking to take your home.

I'm sure it is worth $12,000.

And no .. Wilbur. You are not about to work on my boat. No way.


OK, it's a free country and your choice. So instead of my repairing your
paint job to perfection I would be willing to offer you cash for what my
labor is worth to fix the boo boo. I estimate it would take me about
three hours total to fix some scuffed paint. For what my labor is worth,
about forty dollars an hour, I'd be willing to offer you $120. I'd round
it up to $150 for paint and supplies. You don't think I'm stupid enough
to get gouged for 12 large for a simple scuffed paint job do you? Do I
look like an insurance company to you

Wilbur Hubbard

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Default Oh, Canada

On Thu, 08 Mar 2007 01:38:31 GMT, "NE Sailboat"
wrote:

my lawyer will be seeking to take your home.


Heh, you can probably get his park bench without a lawyer.

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Default Oh, Canada

Wilbur Hubbard wrote:

A nice long simplistic tirade hardly worth repeating here.

I would be perfectly happy to take full responsibility for my own actions
and go bare. However, insurance covers a lot of other things, like the boat
sitting unattended at a dock while you are shopping that I would like to be
covered for. With current environmental regulations, the break up of the
boat could expose you to costs way beyond the price of the boat. The only
way to get insurance for those things is to buy the whole package. Losing
the boat would be one thing, spending the rest of my life destitute or
delaring bankruptcy at my age would be another.

I'll get the insurance and go to Canada when I can go long enough to justify
the cost. This year, I'll still have a great time but just in different
places.

--
Roger Long



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Default Oh, Canada

Roger, you have to understand that "Wilbur Hubbard" is really Capt.
Neal, who seems to have lost his uninsurable "banana boat" in the
hurricanes last year. Since he has no assets beyond his appliance
box, he is unconcerned about liability issues.

* Roger Long wrote, On 3/7/2007 6:56 PM:
Wilbur Hubbard wrote:

A nice long simplistic tirade hardly worth repeating here.

I would be perfectly happy to take full responsibility for my own
actions and go bare. However, insurance covers a lot of other things,
like the boat sitting unattended at a dock while you are shopping that I
would like to be covered for. With current environmental regulations,
the break up of the boat could expose you to costs way beyond the price
of the boat. The only way to get insurance for those things is to buy
the whole package. Losing the boat would be one thing, spending the
rest of my life destitute or delaring bankruptcy at my age would be
another.

I'll get the insurance and go to Canada when I can go long enough to
justify the cost. This year, I'll still have a great time but just in
different places.

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Default Oh, Canada


"Wilbur Hubbard" wrote in message
...
What to do about it? Self-insure. Yes, put some money aside and insure
yourself. Since any accident or negligence that results in a loss will be
coming 100% out of your own pocket you will become a safer boater and less
likely to come to grief. The next time I hear some fool tell me, "Oh,
don't worry, I have insurance." after leaving their boat on one inadequate
anchor, I think I'm going to spit right in their face.


Ah. The moral hazard of insuring.

I'll agree with you there's not necessarily any need to insure your own
losses. Self insurance for loss or damage to your own boat will only harm
*you* if things go wrong.

With respect to third parties, it's a different matter. If an incident
occurs which is your fault, and it results in damage, injury or death to
another, will you have the assets to compensate them?

For this reason third party boat insurance in most parts of Europe is
compulsory. And even when it's not, many marinas will not accept vessels
without evidence of third party insurance. Bit like compulsory car insurance
in most civilised countries . . .

Luckily, third party only insurance is cheap. Perhaps that's Roger's answer.

JimB
www.jimbaerselman.f2s.com/
Comparing the cruise areas of Europe


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Default Oh, Canada

"Roger Long" wrote in news:45eeebaa$0$17002
:

However, I have a new cruising partner


Aha! Now we know why you can't afford the insurance....hee hee.

Congrats, Roger. Take her cruising Titanic, instead. We all enjoyed that
one!

Larry
--
How much price inflation is caused by illegal
aliens gobbling up goods and services, creating
shortages for the natives? I heard 40%!

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Default Oh, Canada

Larry ,, maybe Roger is just looking for an excuse to remain tied to the
dock!

If I see a boat up there near Portland with "If this Boats a Rockn ,, don't
come a knocking"

.... ....



"Larry" wrote in message
...
"Roger Long" wrote in news:45eeebaa$0$17002
:

However, I have a new cruising partner


Aha! Now we know why you can't afford the insurance....hee hee.

Congrats, Roger. Take her cruising Titanic, instead. We all enjoyed that
one!

Larry
--
How much price inflation is caused by illegal
aliens gobbling up goods and services, creating
shortages for the natives? I heard 40%!



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Default Oh, Canada

"NE Sailboat" wrote in
news:7bIHh.20967$tf.17808@trndny06:

Larry ,, maybe Roger is just looking for an excuse to remain tied to
the dock!


With a new "sailing partner", being dockbound isn't so bad...unless there
are also livaboards across the finger pier complaining her moaning and
screaming are waking them up...hee hee. Damned boats have such thin
hulls, you know...(c;


If I see a boat up there near Portland with "If this Boats a Rockn ,,
don't come a knocking"



Yeah, the mast always waves like a flag on that boat, saying, "Look What
We're Doing!" to everyone walking down the dock. You can gaze out over
any marina full of sailboats and note which ones are having an especially
good time by watching the mast tips moving, even when there's no wakes...
(c;



Larry
--


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