Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower your
cost, unless you actually have to file a claim.

The same is true about your boat insurance. If you lie about who uses
the boat, how often you boat, where you keep your boat and where you
boat, you could actually be without any insurance. The insurance
application is a legal contract, and to provide fraudulent information
on that contract provides the insurance company with the legal recourse
to cancel your insurance at any time, including, after you have had the
claim, but before they have paid for the claim.

I think it was Ben Franklin who said something about being penny wise
and pound foolish.

Make sure you answer ALL of the questions about your boat AND your auto
insurance correctly. If you misrepresent your auto driving record it
can result in you not have any boat insurance when it comes time to file
a claim.

Additional info from Insurance specialist:

"So what sort of lies do drivers tell their insurers when buying
insurance? Admiral has compiled a list of the five most common ways
people lie to insurers:


1. Withholding motoring convictions. By far the most common reason why
policies are canceled. People with motoring convictions tend to be bad
drivers and so pay more for their insurance. If you have had a motoring
conviction of any kind in the last five years, you must tell your insurer.

2. Undisclosed modifications to the car/boat. Modifying a car/boat so it
affects its performance or appearance means it is no longer a standard
model, and therefore a different risk. You must tell your insurer of any
modifications either you or a previous owner has made to your car/boat.


3. Insuring a young person's car/boat in the name of an older driver.
This is known as fronting and usually involves a parent insuring their
child's car/boat. Young people are a higher risk for insurance companies
because they have more accidents. You must tell your insurance company
who will be the main driver.


4. Withholding previous claims. You must tell your insurer of any
accidents or claims you have had in the previous three years, even if
the claim is settled or wasn't your fault. The insurance company needs
to know your insurance history.


5. Unacceptable licenses. Make sure you follow all of the local and
state licenses requirements. Some states require taking boating safety
courses. Not to have all users of the boat to have taken the safety
course, can void your insurance, even after you have filed the claim.

"Insurance companies have become much better at finding out if motorists
are lying, and we have a number of ways of investigating anyone we think
might not have told the truth.

"We are not trying to catch people out, but people must realise they
have to be honest with their insurer. They might think a little white
lie is harmless, but it could end up costing them a lot more in the long
run."

Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower your
cost, unless you actually have to file a claim.

The same is true about your boat insurance. I

If you ever buy a boat, you can follow the advice you googled.

"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower your
cost, unless you actually have to file a claim.

The same is true about your boat insurance. I

If you ever buy a boat, you can follow the advice you googled.

Hey Krausie, you got that lobster boat insured?

"JimH" wrote in message
...

"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower your
cost, unless you actually have to file a claim.

The same is true about your boat insurance. I

If you ever buy a boat, you can follow the advice you googled.

I see Reggie the troll is back at it again..........trying to pick a
fight........this time with Don. He earlier tried to start one with you.
When will folks here catch onto what he only reason is for posting here?

I don't know why you guys don't throw Waylon Smithers into your septic
tanks. He never adds anything of value boating related.
From what I see above he's wrong as usual when he sticks his ample nose into
other peoples business.

JimH wrote:
"Don White" wrote in message
...
"JimH" wrote in message
...
"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower
your cost, unless you actually have to file a claim.

The same is true about your boat insurance. I
If you ever buy a boat, you can follow the advice you googled.
I see Reggie the troll is back at it again..........trying to pick a
fight........this time with Don. He earlier tried to start one with you.
When will folks here catch onto what he only reason is for posting here?
I don't know why you guys don't throw Waylon Smithers into your septic
tanks. He never adds anything of value boating related.
From what I see above he's wrong as usual when he sticks his ample nose
into other peoples business.

He is. I just responded to Harry's post.

Reggie not only tried to start another fight but lied while doing so. As I
recall, your agent suggested the insurance arrangement for your son's
coverage resulting in you saving money. No lying on your part.

First he insults my son. Then he call you a liar. What a guy!



It doesn't matter who suggests putting incorrect information on your
insurance application, if the information on insurance is not correct,
the insurance company can cancel your insurance at anytime, and refuse
to pay any claim they want to.

If you don't see this is accurate and important for anyone buying boat
or auto insurance you are beyond help, so please don't read my posts.

"JimH" wrote in message
...

"Don White" wrote in message
...

"JimH" wrote in message
...

"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower
your cost, unless you actually have to file a claim.

The same is true about your boat insurance. I

If you ever buy a boat, you can follow the advice you googled.

I see Reggie the troll is back at it again..........trying to pick a
fight........this time with Don. He earlier tried to start one with
you. When will folks here catch onto what he only reason is for posting
here?

I don't know why you guys don't throw Waylon Smithers into your septic
tanks. He never adds anything of value boating related.
From what I see above he's wrong as usual when he sticks his ample nose
into other peoples business.

He is. I just responded to Harry's post.

Reggie not only tried to start another fight but lied while doing so. As
I recall, your agent suggested the insurance arrangement for your son's
coverage resulting in you saving money. No lying on your part.

First he insults my son. Then he call you a liar. What a guy!

I have nothing to prove to that jackass.
I bought the car...the permit is in my name, I make the payments.
All I have to do is make sure the son doesn't exceed his allowable quota of
mileage/time behind the wheel to jeopardize his occasional drivers vs
principal driver status. What the agent said was if we owned three
vehicles, my son would be considered a principal driver on one of them,
regardless of whos name was on the permit.
I listed my 13 year old mini-van on Kijiji yesterday and had it sold to a
guy within three hours.
The Charger replaces the Plymouth Voyager....... plain & simple.

Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"JimH" wrote in message
...
"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower
your cost, unless you actually have to file a claim.

The same is true about your boat insurance. I
If you ever buy a boat, you can follow the advice you googled.
I see Reggie the troll is back at it again..........trying to pick a
fight........this time with Don. He earlier tried to start one with
you. When will folks here catch onto what he only reason is for posting
here?
I don't know why you guys don't throw Waylon Smithers into your septic
tanks. He never adds anything of value boating related.
From what I see above he's wrong as usual when he sticks his ample nose
into other peoples business.
He is. I just responded to Harry's post.

Reggie not only tried to start another fight but lied while doing so. As
I recall, your agent suggested the insurance arrangement for your son's
coverage resulting in you saving money. No lying on your part.

First he insults my son. Then he call you a liar. What a guy!

I have nothing to prove to that jackass.
I bought the car...the permit is in my name, I make the payments.
All I have to do is make sure the son doesn't exceed his allowable quota of
mileage/time behind the wheel to jeopardize his occasional drivers vs
principal driver status. What the agent said was if we owned three
vehicles, my son would be considered a principal driver on one of them,
regardless of whos name was on the permit.
I listed my 13 year old mini-van on Kijiji yesterday and had it sold to a
guy within three hours.
The Charger replaces the Plymouth Voyager....... plain & simple.



Reggie Dip**** is the reigning rec.boats expert on ... nothing. Perhaps
that's because he has no name, no boat, no car, no wife, no kids, no
nothing.

His only living relatives are Loogy the Brain Damaged, Dan (brother of
Freddie) Krueger, and Jim the Felon of Florida. :)

Don White wrote:
"JimH" wrote in message
...
"HK" wrote in message
...
Reginald P. Smithers III wrote:
Yesterday, there was a discussion concerning lying on your auto
insurance, to help reduce your rates. This is a great way to lower your
cost, unless you actually have to file a claim.

The same is true about your boat insurance. I
If you ever buy a boat, you can follow the advice you googled.
I see Reggie the troll is back at it again..........trying to pick a
fight........this time with Don. He earlier tried to start one with you.
When will folks here catch onto what he only reason is for posting here?

I don't know why you guys don't throw Waylon Smithers into your septic
tanks. He never adds anything of value boating related.
From what I see above he's wrong as usual when he sticks his ample nose into
other peoples business.



You do nothing but flame other people and follow Harry and JimH around
like a damn puppy, Donnie. You, more than anyone, should be careful how
you respond to others since you have revealed your own, bizzare,
personal issues at home.

Don White wrote:


First he insults my son. Then he call you a liar. What a guy!

I have nothing to prove to that jackass.

Don,

You have nothing to prove to me or anyone else in rec.boats, and I had
no delusions of you or JimH will understanding the concept that
fraudulent information on an insurance application, will allow an
insurance company to cancel your insurance policy after an accident and
not pay on any claim. If you think the insurance company is going to
believe your wife is the primary driver on a muscle car marketed to a
teenage, and will cover you in an expensive accident, so be it. I just
hope he doesn't have an accident. Insurance companies call this
"fronting" and know how and when to prove it when they want to cancel an
insurance policy. Especially when it is obvious that someone has
"fronted" a car to save money. Everyone should be aware that insurance
companies are well aware of people playing the game, and they ONLY care
about it, if their is an expensive claim filed. As you said:

"The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease. We just signed the
papers for a 2007 Dodge Charger SXT for my son tonight. "

***Maybe he'll let me drive that on occasion.****

"We just signed the papers?"

"Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for less
than three years, insurance premiums are too outrageous for him to buy
any kind of half decent car himself. " This is the insurance companies
definition of "fronting".

The post was meet as an informative post to other people concerning the
dangers of trying to "work" the insurance system. One get the worst of
both worlds, you pay for the insurance, and then don't get the coverage
if and when you need it.

It is just as important with boat, auto and home, health and life
insurance, if the information on the declaration page of the insurance
coverage is not correct, the owner of the insurance policy is the
loser. It does not matter who is responsible for the incorrect
information on the declaration page. It is up to the insured to review
the declaration page, and to inform the insurance company if any
information is not correct. Remember only the insured loses if there
is an expensive claim filed on an insurance policy with incorrect
information on the declaration page. The broker got his commission on
the policy, the insurance company got your annual premiums, and you only
have insurance as long as you don't have an expensive claim.

Knowing this, most people will make sure the information on their
declaration page is correct.

I could care less if you and JimH take the advice, it is no skin off my
nose.

Reginald P. Smithers III wrote:
Don White wrote:


First he insults my son. Then he call you a liar. What a guy!

I have nothing to prove to that jackass.

Don,


Drop dead, "Reggie."