expert advice on boat insurance..

yet, they sell the liability insurance for liabilities associated with
boating troubles

??? You no good english... ???

no, gene, *your* opinion is just not worth proofreading for.

marine insurance brokers don't sell liability only
policies.

For the simple reason that most people actually intend to *use* the
boat,

no, for the simple reason they don't wish to deal with ****ant commisions on
tiny policies.

*use* the
boat, whereupon:

Property Damage
Wind Damage
Towing and Assistance *
Medical *
Uninsured Boater *
L&HCA
Personal Property *
and Trailer

begin to seem like really good ideas, especially when those marked
with an asterisk are not a bump-up in premium after Liability and
Property Damage are bought.

none germaine to the issue of a cheap ass boat.

jgunnie, keep in mind that the total premiums on a pool of risk is equal to the
total risk, plus a profit. If you have a $2,000 boat you are a fool to pay
$800 a year to insure it against a total loss, less $500 deductible.

what you want to insure (even paying a premium to the insurer for his profit)
against is the potential that a $2,000 boat hits a $500,000 boat and causes it
to sink. That is worth $75/year to most people.




See:
http://www.boats.com/content/default...ontentid=12761

--



Grady-White Gulfstream, out of Southport, NC.

http://myworkshop.idleplay.net/cavern/ Homepage
http://www.southharbourvillageinn.com/directions.asp Where Southport,NC
is located.
http://www.thebayguide.com/rec.boats Rec.boats
at Lee Yeaton's Bayguide

If you have a $1,000 boat you
are a fool to pay $8000 a year to insure it against a total loss, less
$2500 deductible.

yup.

Again, straw man figures. If you only have liability and the only
line item on your declarations page is $2,000, that is all they are
going to pay..... and I wouldn't pay even $75 for that.

junnie, you obviously have no clucking fue what the word liability means. go
away.

And I think your basic premise is probably flawed. First, I can't
imagine a 26 foot sailboat being worth only $2000, nor do I believe
that most boat owners want to incur unreasonable risk.... which is a
function, not only of the value of the insured property, but of the
owner's net worth.

How do you insure your sunfish? Liability only?

yes. and it costs me $75/yr for half mil liability protection.

junnie, I have been well aware of what the term "liability" has meant for
decades. Liability insurance is in fact liability insurance. Duh.

when that is what you want, that is what you want.

and liability insurance is most usually what one wants on a cheap ass boat.
duh. as was the premise of this thread. duh.

junnie, you be one fumb duck. Now go stand in the corner.


From: Gene Kearns
Date: 10/20/2004 9:41 PM Eastern Daylight Time
Message-id:

On 21 Oct 2004 00:54:48 GMT, (JAXAshby) wrote:

Again, straw man figures. If you only have liability and the only
line item on your declarations page is $2,000, that is all they are
going to pay..... and I wouldn't pay even $75 for that.

junnie, you obviously have no clucking fue what the word liability means.
go
away.

You know... that underscores your basic flaw.... it makes not a whit
what *I* think or *you* think liability means.... *THE INSURANCE
COMPANY* defines *liability* not you or me.....

LIABILITY as defined by many boat policies is:

Insurance against:
attempted or actual raising
failure to raise
bodily injury or loss of life
liability to any paid crew
loss or damage to property
pollution.

It does NOT cover (but is not limited to):
anybody living in your household
any conveyance of your property
punitive damages

Limited to:
Liability Coverage or the amount on you declarations page
any series of accidents arising from the same event.....

read your policy dood....

it might not say what you wish it did!


--



Grady-White Gulfstream, out of Southport, NC.

http://myworkshop.idleplay.net/cavern/ Homepage
http://www.southharbourvillageinn.com/directions.asp Where Southport,NC
is located.
http://www.thebayguide.com/rec.boats Rec.boats
at Lee Yeaton's Bayguide

half mil, ***************** liability *************.

obviously, junnie, you are still too stucking fupid to know what liability
insurance is, so just be quiet.


From: "Gene Kearns"
Date: 10/21/2004 9:20 AM Eastern Daylight Time
Message-id:

On 21 Oct 2004 02:31:01 GMT, (JAXAshby) wrote:

junnie, I have been well aware of what the term "liability" has meant for
decades. Liability insurance is in fact liability insurance. Duh.


Jax, if what you own is covered by a $75.00 annual premium (and I'm
sure it is), just be happy. Now, go sit on your sunfish.
--



Grady-White Gulfstream, out of Southport, NC.

http://myworkshop.idleplay.net/cavern/ Homepage
http://www.southharbourvillageinn.com/directions.asp Where Southport,NC
is located.
http://www.southharbourvillageinn.linksysnet.com Real Time
Pictures at My Marina
http://www.thebayguide.com/rec.boats Rec.boats
at Lee Yeaton's Bayguide

yuk. what a fumb duck junnie is totally, as he obviously shows one and all his
utter lack of understanding of even the simpel term "liability" is thusly:

From: "Gene Kearns"
Date: 10/22/2004 9:12 AM Eastern Daylight Time
Message-id:

On 22 Oct 2004 02:11:01 GMT, (JAXAshby) wrote:

half mil, ***************** liability *************.

obviously, junnie, you are still too stucking fupid to know what liability
insurance is, so just be quiet.


One last post of warning, not to you, since you seem to feel covered,
but to anybody else following this.

There are various types of liability coverage. If you want a general
umbrella policy, you can get that pretty cheap... and you get what
you pay for. There are liability policies that closely address the
needs of boaters... and they'll cost more.

I'm not an insurance guru, and Jax has made it abundantly clear that
he isn't either. Your best advise will come from insurance
professionals. Talk to one familiar with marine interests and talk to
your regular agent. Make an informed choice, but make *sure* you are
adequately covered against perils to which you feel exposed.
--



Grady-White Gulfstream, out of Southport, NC.

http://myworkshop.idleplay.net/cavern/ Homepage
http://www.southharbourvillageinn.com/directions.asp Where Southport,NC
is located.
http://www.southharbourvillageinn.linksysnet.com Real Time
Pictures at My Marina
http://www.thebayguide.com/rec.boats Rec.boats
at Lee Yeaton's Bayguide