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From: Arild Jensen (no email)
Date: Fri Feb 03 2006 - 21:48:26 EST
-----Original Message-----
From: John Hurley
As for Arild's question of uniform enforcement, which is a good one,
this issue could perhaps be mitigated somewhat if insurance policies
were voided when the skipper operates without being licensed for the
particular vessel and/or waterway. Not sure how this would work when we
cross national boarders if one nation had such requirements while
another did not. Insurance companies would surely go along; as it
reduces their exposure. It could also be made a requirement for a boat
loan.
REPLY
Based on seeing how this aspect doesn't seem to be very effective here I
doubt it would work elsewhere.
To start with, the majority of boat incidents involve vessels 25 feet
and under. This class of vessel can also be added onto your house
insurance or RV insurance and in many cases people do not bother to
insure it at all. Public liability can be had with a homeowner's policy
or perhaps through a sports affiliated club like Rod and Gun clubs. Etc.
Statistically, larger boats are a minority. The minute you create a two
tier system with some arbitrary number boundary you will see the
development of rule breakers designs.
Just look at the 9.9HP situation in outboard motors for a prime
example.
Most insurance companies around here do recognize Power Squadron
achievements with up to 25% reduction on rates. The usual formula is 5%
per certificate sticker up to a maximum.
As for the suggestion: if insurance policies were voided when the
skipper operates without being licensed for the particular vessel and/or
waterway" that is totally impractical.
It works in civil aviation because that is such a regulated area
starting with having to file a flight plan every trip from an airport.
Private airstrips are much more scarce than private docks at cottages.
How would anyone know the person is operating there until stopped or
caught in an accident.
The marinas are already trying to enforce some kind of proof of
insurance coverage. That is going to run smack into a conflict with
constitutional rights issues.
So now you would try to stop me from boating if I didn't have separate
marine insurance instead of coverage through my home owners policy?
Yeah right!
If you set up regulations that are unenforceable, or impossible to
monitor and regulate you simply create a scoff law atmosphere.
Regards
Arild
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