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Go Back   SailNet Community > Out There > Destinations > Pacific Northwest & Alaska > New WA state insurance law??
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Thread: New WA state insurance law?? Reply to Thread
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Topic Review (Newest First)
11-26-2013 11:36 PM
blt2ski
Re: New WA state insurance law??

Does sound like they wrote the wording incorrectly for the issue at hand. What in reality WAS, a simple requirement, that ALL of us with permanent moorage need. I've needed all the above since buying my boat 8 yrs ago.....so it is a much older rule than they imply.

Marty
11-26-2013 08:10 PM
Faster
Re: New WA state insurance law??

To wrap this up.. I did manage to get in contact with the authors of the article.

Many of you were right, they were looking for seasonal/winter moorage. They have an oldish steel boat, apparently no insurance and no resources for the required survey in order to get that insurance. So despite the comments they made, this would be nothing out of the ordinary, and likely nothing 'new'. Certainly our marinas here require proof of at least liability insurance.

The article was posted last February and may well have been written many months prior to that, so the 'new' element was overstated or perhaps misunderstood by some of us.

It would also appear that the liability coverage is not a requirement for transient overnight moorage, so the concerns that came up here among some cruisers who frequent US waters is unfounded.. (though anyone up here with permanent moorage would be well covered in any case)

I think the 'hot button' was the reference to 'an enormous amount' of coverage without stating just what that meant..

Thanks to all who contributed here, Case closed, I suppose...
11-25-2013 04:33 PM
newhaul
Re: New WA state insurance law??

Checked with my marina (port of bremerton) and they haven't heard about any new insurance law a side note the Patrick Henry is a steel hulled vessel (wonder if Halifax is still with them)
11-23-2013 09:29 PM
blt2ski
Re: New WA state insurance law??

Ron,

Not sure if you can get an insurance card/cert per say up that way. I have to carry a card for the vehicles, and take a copy of the cert paperwork I have to have for my marina with me in the boat. That has basic liability numbers, acct #, agent, company etc. I keep that with my boat registration etc. So If I am pulled over, get in an accident etc, I have the info handy. Or for that matter, if asked at a marina before being able to spend the night, I have the "proof of insurance" form I usually need.

Marty
11-23-2013 09:18 PM
Faster
Re: New WA state insurance law??

aev.. I think you're right.. this was more than a transient moorage scenario, they seemed to be relocating to the area and, as offshore cruisers likely didn't carry much if any insurance.

I think this is, in fact, a non issue for boaters visiting WA state, esp as almost every coastal cruiser is likely to have decent liability coverage. (Though how many of us carry that proof on board at all times???? note to self......)
11-23-2013 08:51 PM
aeventyr60
Re: New WA state insurance law??

Faster,

Alvah & Diane did a big cruise from New Zealand to the PNW via Japan, the Aleutians and Alaska a few years back and wrote about it for Cruising World. Wondering if this data is a bit old? Also as cruisers they probably did not have any insurance....I believe Roger Henry was a steel boat as well.

If you would like to read more about Alva Simon, check out his book "North to the Night" A Spiritual Odyssey in the Arctic. ISBN 7679-0446-x.
11-23-2013 06:24 PM
miatapaul
Re: New WA state insurance law??

Quote:
Originally Posted by Faster View Post
Yeah... the problem with the story is there's not enough details on the circumstance. FWIW I've sent a note to CW to try to contact the authors and get some of that info.

Totally get the idea that any marina would ask that a customer have coverage, and quite surprised that we don't get asked routinely (except by our home marina) to prove it - we've never, to my recollection, been asked for overnight transient spots.
Well since they were getting Drivers Licences I think they were not just visiting and were signing a contract for a season. I can't imagine signing a seasonal contract without expecting to show insurance papers.
11-23-2013 05:41 PM
Faster
Re: New WA state insurance law??

Yeah... the problem with the story is there's not enough details on the circumstance. FWIW I've sent a note to CW to try to contact the authors and get some of that info.

Totally get the idea that any marina would ask that a customer have coverage, and quite surprised that we don't get asked routinely (except by our home marina) to prove it - we've never, to my recollection, been asked for overnight transient spots.
11-23-2013 03:11 PM
miatapaul
Re: New WA state insurance law??

It seems to me that it would certainly makes sense that if someone is going to to tie up for more than dinner that the marina would want to make sure that the boat had coverage. Could this be that the marina was just using it as an excuse to ask them to leave for some other reason? I don't know much about the situation, but here on the east coast you at least need to sign a form and in the form it asks if you have liability coverage. If you are staying long enough to say plug into shore power I don't think it is egregious to ask to see proof especially for a boat from out of the area. I could see it being a bit up to the harbor master to decide if they want to trust you based on your signature, but if I owned the marina I would want to at least see the policy and write down the company and policy number in case there was an issue.

Perhaps things are just a bit more laid back on the North West coast. But if I had a boat in a marina and a paying visitor (therefore the marina's customer) took out my stern rail and they did not have insurance info for him, I would be expecting the marina to paying for the damages, not to mention a propane explosion or fire.

I can't imagine this is due to a "new" law likely one that has just not been enforced in the past by more than a signature or they are using it because they just did not want to rent to them. Also the "visitor for more than 3 days" is a bit of a stretch as they were getting new drivers licenses, so they were establishing permanent residency. It likely has more to do with that than anything. Perhaps they just did not want or were not allowed more liveaboards.
11-23-2013 12:53 PM
Faster
Re: New WA state insurance law??

Very likely the case, Marty... will do.
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