You May Think You're Insured But ...................

[agprice22]

My son had to get a boater safety card before renting a PWC in Florida. And no one under 16 could pilot one alone.

 

[Daveinet]

Something interesting is at the top of the policy page, it states that "the breach of any warranty contained in the policy or declarations page will void the policy and discharge the insurer from all liability under the policy regardless of whether or not the breach is material to the loss."
Basically that is a very scumbag company and that is not an insurance policy, but rather a scam. I'm not sure but what US laws would not tolerate such a statement. There is enough regulations for equipment and operation of a boat that virtually all policies could be voided under this clause. Something as simple as the cover off your battery, or even to dispute your anchor was not sufficient for the conditions could void the policy, even though it has nothing to do with the claim. Basically the adjuster goes through the boat and tries to find anything they can dispute, so they can deny the claim. You have out of date flairs on your boat, oops you have no insurance.

 

[Ralph Johnstone]

Huh? AND loss of employment! Heartless employers! ...not letting people continue working headless!

It's a dog eat dog world out there .

 

[Ralph Johnstone]

Something interesting is at the top of the policy page, it states that "the breach of any warranty contained in the policy or declarations page will void the policy and discharge the insurer from all liability under the policy regardless of whether or not the breach is material to the loss."

Yup .................. you're pretty much in for a battle regardless of what happens. You're only hope is to win that battle. And if you DO win, expect an increase in your premiums.

 

[MitchM]

i beg to differ w/ Charles. whether lack of the license 'caused ' or was a factor in the collision is not relevant to the insurer's obligation to only pay claims for damages incurred while the insured vessel was being operated by a 'licensed' or qualified operator. it's not a question of admiralty law --which vessel is privileged or burdened. it's a question of contract law: when the insurance contract makes proper license of the insured vessel's operator a condition precedent to insurer's paying a claim, no license means no payment.