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    • UnderDawg

      A Few Simple Rules   05/22/2017

      Sailing Anarchy is a very lightly moderated site. This is by design, to afford a more free atmosphere for discussion. There are plenty of sailing forums you can go to where swearing isn't allowed, confrontation is squelched and, and you can have a moderator finger-wag at you for your attitude. SA tries to avoid that and allow for more adult behavior without moderators editing your posts and whacking knuckles with rulers. We don't have a long list of published "thou shalt nots" either, and this is by design. Too many absolute rules paints us into too many corners. So check the Terms of Service - there IS language there about certain types of behavior that is not permitted. We interpret that lightly and permit a lot of latitude, but we DO reserve the right to take action when something is too extreme to tolerate (too racist, graphic, violent, misogynistic, etc.). Yes, that is subjective, but it allows us discretion. Avoiding a laundry list of rules allows for freedom; don't abuse it. However there ARE a few basic rules that will earn you a suspension, and apparently a brief refresher is in order. 1) Allegations of pedophilia - there is no tolerance for this. So if you make allegations, jokes, innuendo or suggestions about child molestation, child pornography, abuse or inappropriate behavior with minors etc. about someone on this board you will get a time out. This is pretty much automatic; this behavior can have real world effect and is not acceptable. Obviously the subject is not banned when discussion of it is apropos, e.g. talking about an item in the news for instance. But allegations or references directed at or about another poster is verboten. 2) Outing people - providing real world identifiable information about users on the forums who prefer to remain anonymous. Yes, some of us post with our real names - not a problem to use them. However many do NOT, and if you find out someone's name keep it to yourself, first or last. This also goes for other identifying information too - employer information etc. You don't need too many pieces of data to figure out who someone really is these days. Depending on severity you might get anything from a scolding to a suspension - so don't do it. I know it can be confusing sometimes for newcomers, as SA has been around almost twenty years and there are some people that throw their real names around and their current Display Name may not match the name they have out in the public. But if in doubt, you don't want to accidentally out some one so use caution, even if it's a personal friend of yours in real life. 3) Posting While Suspended - If you've earned a timeout (these are fairly rare and hard to get), please observe the suspension. If you create a new account (a "Sock Puppet") and return to the forums to post with it before your suspension is up you WILL get more time added to your original suspension and lose your Socks. This behavior may result a permanent ban, since it shows you have zero respect for the few rules we have and the moderating team that is tasked with supporting them. Check the Terms of Service you agreed to; they apply to the individual agreeing, not the account you created, so don't try to Sea Lawyer us if you get caught. Just don't do it. Those are the three that will almost certainly get you into some trouble. IF YOU SEE SOMEONE DO ONE OF THESE THINGS, please do the following: Refrain from quoting the offending text, it makes the thread cleanup a pain in the rear Press the Report button; it is by far the best way to notify Admins as we will get e-mails. Calling out for Admins in the middle of threads, sending us PM's, etc. - there is no guarantee we will get those in a timely fashion. There are multiple Moderators in multiple time zones around the world, and anyone one of us can handle the Report and all of us will be notified about it. But if you PM one Mod directly and he's off line, the problem will get dealt with much more slowly. Other behaviors that you might want to think twice before doing include: Intentionally disrupting threads and discussions repeatedly. Off topic/content free trolling in threads to disrupt dialog Stalking users around the forums with the intent to disrupt content and discussion Repeated posting of overly graphic or scatological porn content. There are plenty web sites for you to get your freak on, don't do it here. And a brief note to Newbies... No, we will not ban people or censor them for dropping F-bombs on you, using foul language, etc. so please don't report it when one of our members gives you a greeting you may find shocking. We do our best not to censor content here and playing swearword police is not in our job descriptions. Sailing Anarchy is more like a bar than a classroom, so handle it like you would meeting someone a little coarse - don't look for the teacher. Thanks.
    • B.J. Porter

      Moderation Team Change   06/16/2017

      After fifteen years of volunteer moderation at SA, I will no longer be part of the moderation team. The decision to step aside is mine, and has been some time in the works but we did not wish to announce it in advance for a number of reasons. It's been fun, but I need my time back for other purposes now. The Underdawg admin account will not be monitored until further notice, as I will be relinquishing control of it along with my administrative privileges. Zapata will continue on as a moderator, and any concerns or issues can be directed to that account or to the Editor until further notice. Anyone interested in helping moderate the forums should reach out to Scot by sending a PM to the Editor account. Please note that I am not leaving the community, I am merely stepping aside from Admin responsibilities and privileges on the site.

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saxdog

US Sailing One Design Insurance?

8 posts in this topic

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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Thanks for all the thoughtful replies- sounds like a good program.

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