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      Abbreviated rules   07/28/2017

      Underdawg did an excellent job of explaining the rules.  Here's the simplified version: Don't insinuate Pedo.  Warning and or timeout for a first offense.  PermaFlick for any subsequent offenses Don't out members.  See above for penalties.  Caveat:  if you have ever used your own real name or personal information here on the forums since, like, ever - it doesn't count and you are fair game. If you see spam posts, report it to the mods.  We do not hang out in every thread 24/7 If you see any of the above, report it to the mods by hitting the Report button in the offending post.   We do not take action for foul language, off-subject content, or abusive behavior unless it escalates to persistent stalking.  There may be times that we might warn someone or flick someone for something particularly egregious.  There is no standard, we will know it when we see it.  If you continually report things that do not fall into rules #1 or 2 above, you may very well get a timeout yourself for annoying the Mods with repeated whining.  Use your best judgement. Warnings, timeouts, suspensions and flicks are arbitrary and capricious.  Deal with it.  Welcome to anarchy.   If you are a newbie, there are unwritten rules to adhere to.  They will be explained to you soon enough.  

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saxdog

US Sailing One Design Insurance?

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My insurer of choice, Amica, does not give what I feel is a realistic value of my one design boat. They're not too enthusiastic about a word like "racing" either. The US Sailing program has a specific deductible for racing. So, I am considering changing my boat insurance to the US Sailing program who seem to be willing to value the boat about like the market for this boat. Have you had experience with this insurance program? How was it? Thanks

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I had my Santana insured through the US sailing OD insurance plan.

 

Had to make a claim after a tornado picked my boat up and threw it about 50 yards. I took pictures that night and emailed them to my agent, he called the next day and said based on the pictures it would be totaled and that I needed to email them the title and they would send me a check for the agreed amount. Also they paid me $1000 to do the salvage myself so they didn't have to deal with it.

 

Had the check in my hand 7 days after the tornado, and a new boat 10 days after. So the claims process was amazing!

 

Now the bad part, they did drop me after that and refused to insure the new boat. But they were great and the guys who I talked to knew sailing well and it was a fun time calling them.

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I went through them as well.

 

In a regatta I didn't see a starboard boat in time on an upwind leg in about 17-20 mph of breeze. (Inland 20 scows.) We both saw each other at the last minute and unfortunately we made the same choice to go up to avoid and I holed him pretty badly.

 

They handled it great for the other guy, paid for full repairs to his satisfaction. In particular they were very straightforward and knowledgeable when I they called and asked for details and didn't try and fudge the situation at all.

 

They did raise my rate the next year, but that was to be expected and wasn't that much relatively speaking.

 

I haven't sailed in a couple of years due to knee surgery and related issues, but when the boat goes back on the water I'll be ensuring through them again.

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I just purchased a policy for my Zap 26 through them. Agreed value of #25K for $444 /year. The way I read the policy, anything that happens, they are on the hook for up to $25K, Mast or Hull.

 

Navigation limitations, some point in Oregon south of the Columbia Bar to Somewhere south of Cabo and out to 250 miles offshore.

 

I talked to a broker and he said it was a good policy.

 

We'll see if I have to make a claim.

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I went with them/gowrie for my 29er. Had to put in a claim for the rig and they still wanted me back. I had to drop since I don't really need insurance for my boat, I only got it because I needed liability insurance for a regatta. However, if I ever get a boat worth insuring you can bet it will be with them. Real friendly and helpful.

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I went with them/gowrie for my 29er. Had to put in a claim for the rig and they still wanted me back. I had to drop since I don't really need insurance for my boat, I only got it because I needed liability insurance for a regatta. However, if I ever get a boat worth insuring you can bet it will be with them. Real friendly and helpful.

 

What guys your age don't often grasp is the need for liability coverage. Screw the boat; that's chump change by comparison.

 

Let's say you're blasting around on 29ers or fast dinghies, things go tits up during a gybe, and you hit someone else, hard. Typical T-bone hit, the other guy is going to be hiking or on the wire, and, as bad luck would have it, your bow lifts and you hit him right in the back. You've just made a healthy, high-income-potential 22 year old into a paraplegic. His health insurance company is into you for probably half a million in direct medical costs, and then if he wants to sue, he's into you for another million or so. "Can't get blood from a stone," you say, but bear in mind it'll be 5 years until it's settled, by which point you will be out of school, perhaps earning good money, and perhaps owning stuff. Kiss the salary goodbye; it'll be attached in the settlement.

 

Liability insurance is generally pretty cheap,.

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