It's quite simple, the insurance companies want to make it easy. If the guy who just drove his bow through your wet locker has no insurance, they will have to go to great extremes to make it good. If he has insurance, then it's no problem, it's an internal paper chase.
Jim Watts Paradigm Shift C&C 35 Mk III Victoria, BC On 5 April 2014 20:49, Russ & Melody <russ...@telus.net> wrote: > Hi John, > > That's my point. > > I have the proper insurance. > > I am bemused why the pointy heads insist that I protect my asset...because > it's in the Sailing Instructions?!! and that makes it right? It is a simple > fact that you should buy insurance to protect yourself. Maybe it's the herd > instinct, "I have it, so should everybody." > > I buy insurance to protect my net worth, not yours! > > Why is this so difficult for people to understand? In the old days an > insurance guy would distract you with terms fancy terms and threaten that > you could not collect on a judgement if the "other guy" wasn't insured. But > under-insured protection, it is standard in my policy, has thrown out that > argument a long time ago. But the mystery remains.. > > > Cheers, Russ > *Sweet *35 mk-1 > > > At 08:31 PM 05/04/2014, you wrote: > > If you are a racer, you should have the integrity to get the proper > insurance. > > John McLaughlin > C&C29MKII > "Falcon" > > > > -----Original Message----- > From: Russ & Melody <russ...@telus.net> > To: cnc-list <cnc-list@cnc-list.com> > Sent: Sat, Apr 5, 2014 8:51 pm > Subject: Re: Stus-List Whisker pole - Now racing insurance? > > Hi John, > > The prevalent attitude that forces other people to buy insurance to > protect themselves really confuses me. > > I have insurance and it includes under-insured protection, so I'm covered. > It doesn't matter if the other guy won't carry insurance. In the case of an > incident my policy will cover off my losses. If the insurance company wants > to recover then they go after the other guy, I don't need nor am I entitled > to. > > Cheers, Russ > *Sweet *35 mk-1 > > > At 07:39 PM 04/04/2014, you wrote: > > I certainly would not race against uninsured boats. > > John McLaughlin > C&C29-2 > "Falcon" > > > -----Original Message----- > From: Dennis C. <capt...@gmail.com> > To: CnClist <cnc-list@cnc-list.com > > Sent: Fri, Apr 4, 2014 6:59 pm > Subject: Re: Stus-List Whisker pole - Now racing insurance? > > Guess I'm in a weird area. Louisiana is fairly litigious but I've never > been asked for insurance for dockage or racing. For racing, a valid PHRF > certificate is all I've been asked for. We occasionally have to sign a > liability waiver for some races. > > I have been asked for it for dockage in Florida. > > I think the race organizers around here think that the USSailing coverage > is adequate. > > Dennis C. > > > On Fri, Apr 4, 2014 at 5:50 PM, Rick Taillieu <rtaill...@eastlink.ca> > wrote: Dennis, Pretty much all the clubs in the area require at least > $1 million liability insurance. My club requires a current copy of the > insurance certificate to be on file in the office to keep a boat here. Rick > Taillieu Nemesis '75 C&C 25 #371 Shearwater Yacht Club Halifax, NS. > From: CnC-List [ > mailto:cnc-list-boun...@cnc-list.com<cnc-list-boun...@cnc-list.com>] > On Behalf Of Dennis C. Sent: April-04-14 17:53 To: CnClist Subject: Re: > Stus-List Whisker pole - Now racing insurance? Mike, $2 million > insurance? Hmmm. Interesting policy. How many other racing organizers > require insurance? I've never had to show in any race in my area. Dennis > C. Touche' 35-1 #83 Mandeville, LA On Fri, Apr 4, 2014 at 2:15 PM, > Michael Brown <m...@tkg.ca> wrote: Well, $100 was pretty cheap. I have a > twist lock that I may sell. Since getting the larger line control I have > not used it much. As mentioned earlier, even at 17' it is small for a #1. > If you would like to race National Yacht Club has a policy of welcoming > racers from nearby clubs to join us for week night racing. You could race > NFS on Tuesdays, FS on Wednesday, and there is a special beginners NFS on > Thursdays. NYC also starts the race for the Alexandra Yacht Club on > Thursdays. We have two "Around the Island" weekend races a year with an > open invitation. You will need a PHRF-LO certificate and show $2M > insurance coverage. > If you are getting brave I have a spinnaker I could loan you. > Mike > > Date: Fri, 4 Apr 2014 14:51:44 -0400 From: Stevan Plavsa < > stevanpla...@gmail.com > To: "cnc-list@cnc-list.com " < > cnc-list@cnc-list.com> Subject: Re: Stus-List Whisker pole - 32 Message-ID: > < caddevn5ebva9ow1xprcexszmf91jv+jz-thgsuxvrzgsmbe...@mail.gmail.com> > Content-Type: > text/plain; charset="iso-8859-1" > Thanks Dwight. I haven't raced the boat yet (except for some fun races the > club > hosts annually). The keelboat racing scene at our small club is dwindling > but yeah, I plan to participate in the weekly races this year. > Steve Suhana, C&C 32 Toronto > > > _______________________________________________ This List is provided by > the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com > No virus found in this message. Checked by AVG - www.avg.com Version: > 2014.0.4355 / Virus Database: 3722/7302 - Release Date: 04/04/14 > _______________________________________________ This List is provided by > the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com > > > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > > _______________________________________________ > This List is provided by the C&C Photo Album > http://www.cncphotoalbum.com > CnC-List@cnc-list.com > >
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