insurance/survey - Page 13 - SailNet Community

   Search Sailnet:

 forums  store  


Quick Menu
Forums           
Articles          
Galleries        
Boat Reviews  
Classifieds     
Search SailNet 
Boat Search (new)

Shop the
SailNet Store
Anchor Locker
Boatbuilding & Repair
Charts
Clothing
Electrical
Electronics
Engine
Hatches and Portlights
Interior And Galley
Maintenance
Marine Electronics
Navigation
Other Items
Plumbing and Pumps
Rigging
Safety
Sailing Hardware
Trailer & Watersports
Clearance Items

Advertise Here






Go Back   SailNet Community > General Interest > General Discussion (sailing related)
 Not a Member? 


Like Tree19Likes
Reply
 
LinkBack Thread Tools
  #121  
Old 02-22-2014
captain jack's Avatar
Senior Member
 
Join Date: May 2013
Location: frederick, md
Posts: 1,276
Thanks: 83
Thanked 41 Times in 37 Posts
Rep Power: 2
captain jack is on a distinguished road
Re: insurance/survey

Quote:
Originally Posted by newhaul View Post
Here's something to think about state farm actually doesn't insure boats they sub that policy out to formost

really? now, that's interesting. might as well go to the actual insurer, right?
__________________
The only rules that really matter are these: what a man can do and what a man can't do.---Captain Jack Sparrow


1971 Cal 27

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #122  
Old 02-22-2014
Senior Member
 
Join Date: Feb 2010
Location: Narragansett Bay
Posts: 9,105
Thanks: 10
Thanked 142 Times in 128 Posts
Rep Power: 6
Minnewaska will become famous soon enough Minnewaska will become famous soon enough
Re: insurance/survey

Quote:
Originally Posted by captain jack View Post
morning sir.

state farm has great prices. i am getting ready to switch my bike, car, and truck policies to them. ........
Yes, they often do. Remember what I told you about low prices. Ask your local auto body places what they think of State Farm. Prices are low because they are tough to get money out of for a claim, at least around here. Nothing for nothing.

I'm aware of this particular issue, because one place I deal with will not take a repair job that is being paid by State Farm.
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Jeanneau 54DS

In the harsh marine environment, something is always in need of repair. Margaritas fix everything.
Reply With Quote Quick reply to this message Share with Facebook
  #123  
Old 02-22-2014
captain jack's Avatar
Senior Member
 
Join Date: May 2013
Location: frederick, md
Posts: 1,276
Thanks: 83
Thanked 41 Times in 37 Posts
Rep Power: 2
captain jack is on a distinguished road
Re: insurance/survey

Quote:
Originally Posted by Minnewaska View Post
Yes, they often do. Remember what I told you about low prices. Ask your local auto body places what they think of State Farm. Prices are low because they are tough to get money out of for a claim, at least around here. Nothing for nothing.

I'm aware of this particular issue, because one place I deal with will not take a repair job that is being paid by State Farm.
yeah. i have heard that.

however, i only get liability. havinng seen so many people pay big money and then, when their bikes were stolen or totalled, have to add considerable personal money just to replace the vehicle that was supposedly being insured ( because that's how insurance works ), i am not willing to throw my money into the bonfire of full coverage.

if i am paying money to have my items insured, once something happens, i feel that insurance should replace those items.

it's the same if you get hit and have to rely on aother person's liability. you did nothing to cause your vehicle, or other property, to be lost to you. if insurance was not involved, the law would demand that the responsible party(s) make right what they messed up. but, insurance gets away, legally, with giving you a replacement value well below what it would cost you to get the same model and year vehicle, in similar condition.

since i only get liability ( it's a legal requirement ), i am not depending on my insurer to take care of my things, should i be at fault. and, since the law is fine for insurance companies to only partially compensate a person for their losses, at another's hand, i am at full legal compliance whomever i choose for liability.
__________________
The only rules that really matter are these: what a man can do and what a man can't do.---Captain Jack Sparrow


1971 Cal 27

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Last edited by captain jack; 02-22-2014 at 03:20 PM.
Reply With Quote Quick reply to this message Share with Facebook
  #124  
Old 02-22-2014
Senior Member
 
Join Date: Feb 2010
Location: Narragansett Bay
Posts: 9,105
Thanks: 10
Thanked 142 Times in 128 Posts
Rep Power: 6
Minnewaska will become famous soon enough Minnewaska will become famous soon enough
Re: insurance/survey

Maybe its different where you are. While you aren't getting collision, typically liability also has comprehensive coverage. Meaning, things like theft or fire or hitting a dear. You may very well still have your car repaired. Nevertheless, one might assume the same scrutiny applies to a liability claim, although, I've not heard of examples.

You are sort of in a logic loop. You're upset that insurance companies don't just pay, but you intentionally buy from the ones that don't just pay (ie the cheapest rates).
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Jeanneau 54DS

In the harsh marine environment, something is always in need of repair. Margaritas fix everything.
Reply With Quote Quick reply to this message Share with Facebook
  #125  
Old 02-22-2014
Senior Member
 
Join Date: Jul 2001
Posts: 223
Thanks: 0
Thanked 5 Times in 5 Posts
Rep Power: 14
sidney777 is on a distinguished road
Re: insurance/survey

To Captain Jack about Boatus ins changing their mind about me hauling out for survey and having a required survey. I just told them I was going to shop around because I did not want to pay more for the survey and haul-out than the insurance. (it took boatus @week to change their mind). 1982 sailboat. Jack, good job explaining and defending your life !
Reply With Quote Quick reply to this message Share with Facebook
  #126  
Old 02-22-2014
captain jack's Avatar
Senior Member
 
Join Date: May 2013
Location: frederick, md
Posts: 1,276
Thanks: 83
Thanked 41 Times in 37 Posts
Rep Power: 2
captain jack is on a distinguished road
Re: insurance/survey

Quote:
Originally Posted by Minnewaska View Post
Maybe its different where you are. While you aren't getting collision, typically liability also has comprehensive coverage. Meaning, things like theft or fire or hitting a dear. You may very well still have your car repaired. Nevertheless, one might assume the same scrutiny applies to a liability claim, although, I've not heard of examples.

You are sort of in a logic loop. You're upset that insurance companies don't just pay, but you intentionally buy from the ones that don't just pay (ie the cheapest rates).
you are absolutely right. i do. but i didn't always. i spent half of my adult life with reputable companies, and the well to do customers at the bike shop weren't using cut rate insurance, either. i on;ly changed after getting burned a few times.

i believe it is different here. liability, in my state, covers damages to the other people's property and personal injury. as far as i know, liability, here, doesn't cover more than that nless you upgrade your policy.

but, you do make a good point: that's car and motorcycle liability. i am not really completely sure what boat liability covers, outside of damages to other people's property and personal injury. that is something i will have to look over, carefully, when i sign up.
__________________
The only rules that really matter are these: what a man can do and what a man can't do.---Captain Jack Sparrow


1971 Cal 27

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #127  
Old 02-22-2014
captain jack's Avatar
Senior Member
 
Join Date: May 2013
Location: frederick, md
Posts: 1,276
Thanks: 83
Thanked 41 Times in 37 Posts
Rep Power: 2
captain jack is on a distinguished road
Re: insurance/survey

Quote:
Originally Posted by sidney777 View Post
To Captain Jack about Boatus ins changing their mind about me hauling out for survey and having a required survey. I just told them I was going to shop around because I did not want to pay more for the survey and haul-out than the insurance. (it took boatus @week to change their mind). 1982 sailboat.
i may very well have to try them again. they were pretty adamant, though, because of the age of my boat. 1971. that's a bit older than yours. they may not budge in my case. their price and reputation is really good. if not, that's cool. i will just follow the course i already plotted.

Quote:
Jack, good job explaining and defending your life !
thanks. it was certainly never my intention for this thread to go that way.
__________________
The only rules that really matter are these: what a man can do and what a man can't do.---Captain Jack Sparrow


1971 Cal 27

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
Reply

Quick Reply
Message:
Options

By choosing to post the reply above you agree to the rules you agreed to when joining Sailnet.
Click Here to view those rules.

Register Now

In order to be able to post messages on the SailNet Community forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
Please note: After entering 3 characters a list of Usernames already in use will appear and the list will disappear once a valid Username is entered.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

 
Posting Rules
You may post new threads
You may post replies
You may post attachments
You may edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance Survey SVTatia General Discussion (sailing related) 6 08-02-2012 10:50 PM
Need insurance survey - Port Washington -- recommendations? Bene505 Long Island 2 06-14-2012 01:49 AM
Insurance survey vs purchase survey RossC32 General Discussion (sailing related) 9 03-01-2012 05:05 PM
Insurance and Survey Recommendations otaga05 Boat Review and Purchase Forum 20 05-31-2007 04:55 PM


All times are GMT -4. The time now is 01:39 AM.

Add to My Yahoo!         
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
SEO by vBSEO 3.6.1
(c) Marine.com LLC 2000-2012

The SailNet.com store is owned and operated by a company independent of the SailNet.com forum. You are now leaving the SailNet forum. Click OK to continue or Cancel to return to the SailNet forum.