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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > insurance/survey
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Topic Review (Newest First)
02-22-2014 08:33 PM
captain jack
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.
02-22-2014 08:28 PM
captain jack
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.
02-22-2014 07:16 PM
sidney777
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 !
02-22-2014 04:22 PM
Minnewaska
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).
02-22-2014 04:16 PM
captain jack
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.
02-22-2014 03:48 PM
Minnewaska
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.
02-22-2014 02:48 PM
captain jack
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?
02-22-2014 01:50 PM
newhaul
Re: insurance/survey

Quote:
Originally Posted by sidney777 View Post
Hello Captain Jack. Yep, I don't like the $cost of a Haul out of boat in addition to the hassle of going to a "haul out marina" just for Liability ins. If you don't mind, what ins company did you use ?
For me, Boatus finally backed off of wanting a survey for $500,000. liability ins. But, I already used my auto insurer State Farm.
etcetera, etcetera, so it shall be written , so it shall be done.
Here's something to think about state farm actually doesn't insure boats they sub that policy out to formost
02-22-2014 01:49 PM
captain jack
Re: insurance/survey

Quote:
Originally Posted by sidney777 View Post
Hello Captain Jack. Yep, I don't like the $cost of a Haul out of boat in addition to the hassle of going to a "haul out marina" just for Liability ins. If you don't mind, what ins company did you use ?
For me, Boatus finally backed off of wanting a survey for $500,000. liability ins. But, I already used my auto insurer State Farm.
etcetera, etcetera, so it shall be written , so it shall be done.
morning sir.

state farm has great prices. i am getting ready to switch my bike, car, and truck policies to them. unfortunately, they also need a survey.

how did you get boats US to back off on the survey? was it just because it was previously insured? they were my first choice, originally.

i will be using foremost. i haven't hauled it, yet. i don't mind having to haul her for a photo. i have to haul her to do work on her, anyway, so it's a cost i will be paying either way. kind of two birds with one stone. wereas, a survey was not on my list of planned, necessary costs ( and is costlier than hauling and relaunching).

it would be nice if my marina could haul her out but their machine doesn't have the ability to deal with masts. the haulout marina is the next closest marina. it's within a long stone's throw. not bad, really. i just wish they'd let me take more than a week on the dry. i will have to talk to them about that. i have a good bit to do, on the hard. i will be killing myself trying to get it all done in a week. i'd have to not work that week, really. but, we'll see. i will make it happen however i have to do it.
02-22-2014 11:10 AM
sidney777
Re: insurance/survey

Hello Captain Jack. Yep, I don't like the $cost of a Haul out of boat in addition to the hassle of going to a "haul out marina" just for Liability ins. If you don't mind, what ins company did you use ?
For me, Boatus finally backed off of wanting a survey for $500,000. liability ins. But, I already used my auto insurer State Farm.
etcetera, etcetera, so it shall be written , so it shall be done.
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