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

"Curtis CCR" wrote in message
om...
"Falky foo" wrote in message
om...
Hi, I'm planning on buying a very inexpensive ~26 foot sail boat. I
know
most marinas require some sort of insurance, right? How about transient
anchorages, moorings, etc run by the county/state? The boat is so
inexpensive that I wouldn't really care if it were a complete loss, so
the
only insurance I'd get would be that which is required. Is that
liability
insurance? Is there some sort of standard liability insurance or
something
else super cheap? Thanks!

As others have mentioned, you may have trouble getting a liability
only policy on a boat. It shouldn't be that way, but it is (just
business). I would inquire about a rider on a my homeowners policy.
OR look at a minimal package that covers a low agreed hull value, or
fair market value.

I have more than adequate liability and FMV coverage for the hull for
my baby jetboat (a Sea-Doo) and it cost less than $150 per year
(BOAT/US). Note that the jetboat is on a trailer in my garage most of
the time. But even my old 36' Chris Craft, kept in a slip, gets full
coverage (agreed value @ $30,000) for $350. A homeowners insurance
rider on a small inexpensive boat will probably be a two-figure annual
expense. (note that my homeowners insurance, State Farm, would not do
a rider for either boat, but they do offer boat insurance - though
they are pricey).

I have never been required to show proof of insurance at any transient
dock/mooring for either boat. My home marina requires me to have
liability insurance with a certificate making the marina 'named
insured'. This is not an unusual requirement.

Moss Landing requires proof of insurance for overnight ties. Since he has
no assets, he needs no insurance. Way of the world. If he is in school and
has a future big earning capability he needs insurance. Is a major
complaint of mine. If I run into an uninsured motorist and cripple him, he
gets a couple of million from me and my insurance company. But if he does
the same to me, I get what my uninsured motorist policy provides. My cure
for the liability crises is that you can sue for the amount of liability
insurance you carry. You can get direct medical costs covered by the
insured person, but no pain and suffering, no lost wages.