"Wayne.B" wrote in message
news
On 14 Jul 2006 13:35:09 -0700, "beaufortnc"
wrote:

With this method, he was able to charter his boat with more than 6
guests, and without a captain's license.

Does anyone know the real story on this? Was he f.o.s.?

What about your insurance company, what do THEY think? That's where
you are most likely to get in trouble first. Your co called friends
will be calling lawyers very quickly if there is any kind of mishap
onboard. It is unlikely in my opinion, that your insurance company
will provide charter coverage without a licensed captain.


That's a good point, and you'd better not trust what any insurance agent
says unless he's ready to put it in writing. I'm not talking about reading
the policy itself, which is obviously important, although they can also be
vague. I'm talking about a plain-English letter from the agent which
addresses specific questions you ask. I just went through this with my
agent, who's a real pro with regard to home, car & life insurance. But, he
was a bit weak when it came to providing coverage for musical equipment used
professionally, and questions about what happens if a club burns down with
my equipment in it. I kept giving him scenarios like that, and he finally
said he wasn't 100% sure about all of them. We ended up doing a conference
call to an underwriter at the actual insurance company.

"
That's a good point, and you'd better not trust what any insurance agent
says unless he's ready to put it in writing. I'm not talking about reading
the policy itself, which is obviously important, although they can also be
vague. I'm talking about a plain-English letter from the agent which
addresses specific questions you ask. I just went through this with my
agent, who's a real pro with regard to home, car & life insurance. But, he
was a bit weak when it came to providing coverage for musical equipment
used professionally, and questions about what happens if a club burns down
with my equipment in it. I kept giving him scenarios like that, and he
finally said he wasn't 100% sure about all of them. We ended up doing a
conference call to an underwriter at the actual insurance company.

A letter signed by the agent is worth little more than the paper it's
written on, since your contract of coverage is not with the agent. An agent
can attest to anything, but if it is outside the coverage specified in the
contract (policy), it may not be enforceable. The insurance company can
always claim that the agent was acting outside the authority of his capacity
as agent. A letter signed by an officer of the insurance company
stipulating or clarifying coverage is another matter. I'd take that with me
to court any day.

"RG" wrote in message
. ..

"
That's a good point, and you'd better not trust what any insurance agent
says unless he's ready to put it in writing. I'm not talking about
reading the policy itself, which is obviously important, although they
can also be vague. I'm talking about a plain-English letter from the
agent which addresses specific questions you ask. I just went through
this with my agent, who's a real pro with regard to home, car & life
insurance. But, he was a bit weak when it came to providing coverage for
musical equipment used professionally, and questions about what happens
if a club burns down with my equipment in it. I kept giving him scenarios
like that, and he finally said he wasn't 100% sure about all of them. We
ended up doing a conference call to an underwriter at the actual
insurance company.

A letter signed by the agent is worth little more than the paper it's
written on, since your contract of coverage is not with the agent. An
agent can attest to anything, but if it is outside the coverage specified
in the contract (policy), it may not be enforceable. The insurance
company can always claim that the agent was acting outside the authority
of his capacity as agent. A letter signed by an officer of the insurance
company stipulating or clarifying coverage is another matter. I'd take
that with me to court any day.


Per my lawyer, a letter from the agent is a reminder that he may be
personally liable. Fear is good.

Per my lawyer, a letter from the agent is a reminder that he may be
personally liable. Fear is good.

So, you're willing to have this particular area of coverage backed up by the
solvency of your agent? The two of you deserve each other. And I suppose I
might as well throw the lawyer in there too.

"RG" wrote in message
m...


Per my lawyer, a letter from the agent is a reminder that he may be
personally liable. Fear is good.

So, you're willing to have this particular area of coverage backed up by
the solvency of your agent? The two of you deserve each other. And I
suppose I might as well throw the lawyer in there too.


You're being silly. Stop.