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(no email)
Date: Tue Aug 24 2004 - 17:51:33 EDT
So, pray tell. If you ever hit my boat, and it is your fault. How do you
propose to pay for the damage???
Or, your vessel grounds, leaks out all the out all the oil/fuel. And
causes an environmental problem. How are you going to pay for that?
Or how about this, you are uninsured, the other guy is uninsured. He hits
you, his fault. He sinks your vessel. And you will loose everything.....
Or I hit your boat, and I am insured. I guess you do not want damages. Hey
you are not insured, so why would I pay for your damages because I am
insured?
and before comments like 'defensive' boating are made. In most cases above
this can happen when you are at anchor. What are you going to do than?
Plant mines so nobody can come close?
Accidents happen, it does not how good you think you are.
We have had this discussion before on the list. And it amazes me that
there are people out there with a vessel and no means to pay for any
damages they cause.
Hank
> I singlehand almost exclusively. (Well, me and the Schipperkes!) I have
> NO insurance, because my boat, although very solidly built and with an
> impeccable pedigree (a S&S design) is 31 years old...and I would have to
> spend too much money to get the insurance. So my insurance is the boat
> itself and the philosophy I sail with, which is to rely on myself. For
> centuries folks sailed recreationaly without insurance. Now, within the
> last 20 years or so (I have seen it increase drastically in the 30 years
> I have been sailing) we (or SOME) seem to regard it as essential to
> survival or at least the deciding factor in whether they will go on a
> sailing voyage or not. I do NOT regard it as such. It is the
> litigiatious society, not other circumstances so much, that have brought
> us to this point, I believe. It would be nice to have insurance, but it
> is not a deciding factor for me at least...the
> boat will take care of me if I do my job. And that includes such things
> as 'defensive boating. OTOH, my boat has been paid for for 20 some odd
> years, so I have no worry about protecting myself from bankers claims.
> Liability insurance or insurance at the slip is a different matter...if
> the marina
> requires it, then I guess if you want to stay there, it is needed...I
> would rather go somewhere else.-Ken
>
>
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