Originally Posted by northoceanbeach
...Is it the law you have to have liability to sail? Not where I'm from. It's not a car. My top speed is 6 something. Or right now I'm fighting a current going 3. By you logic you would have to have instance and a survey to ride your bike...
I never said that insurance is required by law. It is required by most marinas, and if you are lying to your marina then you might be civilly guilty of breach of contract and perhaps criminally for theft of services (though that's a stretch). A boat doing 6 knots can do a lot of damage - especially if it is on fire or leaking fuel. Regardless of whether it's required by law or contract (with marina, lender, etc.), you will be on the hook for damages that your boat causes, and could suffer years of financial pain without insurance.
My point is about morality, responsibility, and good boating practices, not the law.
I find it interesting to see you and Harborless spouting off your naive wisdom about how easy it is to navigate east coast cuts, and how you've checked over every square inch of your boat (oops - except for your runaway motor and old uninspected keel bolts and old swing keel cable/shackle and barnacle-clad bottom and propellor and old wiring and who knows what else....). I hope nobody else here is fooled into modeling your behavior.
So let me ask - if you're both uninsured, have you ever LIED to a marina about having insurance? That's what this is about - not legalities, but simple ethics and responsibility. If a marina tells you you need insurance, do move out of the marina, or say, "Oops, I forgot to bring the papers this time. I'll drop by with them next week?"