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I have a question about Boat Insurance I would like people's opinion on:
I started a morning group of riders this year using my boat from people at my work who belong to our internal wakeboarding email group. We would go out 1-2 times a week during the weekdays before work. While my boat was getting fixed one of the guys volunteered his boat and my daughter went riding with us as well. While my daughter was riding she fell pretty hard on her back doing a power slide when she caught her heel side edge. The next day her neck and ribs were really hurting her so we went to the Emergency Room and got some x-rays and came home with some pain medicine. In about 2 weeks she was fine.
Within a week of the accident I got a letter from my insurance company asking if a accident happened and if so were you in someone else’s car/boat/house. I called my insurance company and explained that there was no negligence on the part of the boat driver and my daughter simply fell while wakeboarding of her own accord and it was her fault she hurt herself. I then asked do I really need to fill out this form because the other person was not at fault in any way. They said no but then called me back 2 days later and said yes we do need that letter. I called my insurance company Progressive and asked a claims guy about this and whether or not my policy would be liable for any medical claim if I was the one driving. He said my insurance would only come into play if I was negligent and in this case there was no negligence and I shouldn’t withhold the name of my friend who was driving the boat. After talking further with my health insurance they said they wouldn’t process the claim without talking to the boat driver to see if any extra medical insurance was in play besides there I gave them my friends name thinking his insurance was like mine and my health insurance would be on the hook for everything and they would pay the $1800 bill. I couldn’t contact my friend because he was out of town on vacation.
Here is where things blow up. Turns out his boat insurance policy has a no-fault medical payment up to $1000 that kicks in whether he is at fault or not and now my health insurance policy wants his insurance to pay $1000. Now my friend is going ballistic and pissed at me for even giving my health insurance policy his name even though his boat insurance company assures him that this will not raise his rates in any way because it isn’t an at-fault claim. I even tell my friend if they do raise his rates I will pay the difference so he won’t be out any money because of this. He still is extremely mad at me. I start feeling bad about the whole situation and tell my health insurance policy not to pursue a claim against my friend and I will pay the $1000 out of my pocket. A couple days later I am starting to feel pissed that he would let me pay $1000 instead of going ahead with a claim on his insurance which won’t cost him anything. Needless to say what was turning into a good friendship is now broken.
Thoughts?
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