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Don't mind him.. I plonked him long ago.
Let me see if I follow this tale accurately: 1) You hit something. Whose fault was that? Who cares whose fault it was. Apparently you don't understand the nature of property insurance. It covers me even if it was my fault, as long as I wasn't grossly negligent (e.g. drunk), or did it on purpose. For the record in this case, the obstruction was unmarked and uncharted and not in a place you might suspect. Its what's called an "accident." And accidents are exactly what insurance is for, even, believe it or not, if your are negligent. Now of course if your insurance company thinks this negligence is likley to continue, they will probably cancel you, but they have to pay this claim. That's what I paid my premiums for. |
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