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Old 05-16-2011
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Originally Posted by dhays View Post
JThere are a lot of variables that would go into that, but I can tell you that I'm insured for $500k per accident. The more I think about it, I think that I should check into increasing it.
The last time I increased my liability cover I found that my costs were lower by reducing the primary cover and adding an umbrella liability cover that picked up from the primary and went to the $2M limit I wanted. It's been quite a while since I did the research and different companies may operate differently.

I'm just glad the guy got his boat out of Lake Hillsmere.
sail fast and eat well, dave
S/V Auspicious
beware "cut and paste" sailors.

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Old 05-16-2011
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Back to the beginning, it appears the owner of the boat that broke
loose did not have "liability" insurance, so the owner of the boat he
damaged has to pay for the other person's negligence. If you have any
assets and want to keep them some form of liability insurance may
help you do that. If you don't have assets worth going after, no worries,
short of going to jail.

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Old 05-16-2011
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Insurance is not only for your boat, or someonoe else's boat, but also the environmental damage you could do in a grounding- Coral damage or diesel spill in the water. Here in Hawaii boaters have been fined $100's of thounsands of dollars for damage to coral reefs while anchoring (anchoring on live coral).

The other think I found funny, back during the March Tsunami, many boats in Hawaii were damaged or totaled. They were at dock when the Tsunami hit. Many of these boats were live aboard and were sunk. One retired man lost everything and the boat was his house. A few weeks ago these boaters were crying at a meeting with the state (hawaii) asking what the state was going to do to help them! None of the boaters had insurance.

For $500 a year to insure my boat and $300K in liability I think insurance is a good deal. Even if you are in the right someone can still sue you. At least your insurance company will defend you at no cost (you hope at least).
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Old 05-17-2011
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Boy has this thread gone off topic!!!!! Took me 15 minutes to work out the stuck boat is free!!!

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