Articles
   
       
       
Pics/Video
   
       
       
Shop
Search
 
 
 
 
 
Home   Articles   Pics/Video   Gear   Wake 101   Events   Community   Forums   Classifieds   Contests   Shop   Search
WAKE WORLD HOME
Email Password
Go Back   WakeWorld > Boats, Accessories & Tow Vehicles

Share 
Reply
 
Thread Tools Display Modes
Old    Keith (rkg)      Join Date: Apr 2002       08-17-2010, 6:43 AM Reply   
Was curious if anyone has experience or advice on this one. A firend of our has bought a cabin and we are considering letting her use our boat occassionally in exchange for using the cabin. I am comfortable if she breals something, she will fix. My bigger concern is if someone gets hurt while she is driving or we are not there, where does liability fall? I think my insurance will cover it since it covers the boat, not a person; but I am not sure if personal liability will come to me or her, or both?
Old    Tim (srock)      Join Date: Mar 2002       08-17-2010, 6:49 AM Reply   
I would check with my carrier. They also have an issue with you getting hurt at their cabin.
Old    AtTheLake (bmartin)      Join Date: Jan 2007       08-17-2010, 7:30 AM Reply   
I know on my boat insurance (Boat US), it asks me to list the drivers and some demographics of the other drivers of the boat. If you do that, your insurance should be in force. The other thing to consider is how responsible they are at fixing things that will break and care for your boat. They would have the same concerns for you in their cabin though.
Old    Jeff D (Jeff)      Join Date: May 2010       08-17-2010, 7:35 AM Reply   
When I setup my insurance for my boat there was an option to add other drivers. They required drivers to be declared if they would be operating the boat more than a certain percentage of the time. The additional drivers didn't actually have to be a member of your household. So, it might be as simple as adding her as a driver on your policy. My father in law has me as a driver on his boat policy and I live 2 hrs away. In addition to that she might be able to carry her own liability policy on your boat. Not sure how that would play out though having 2 liability policies on the same HIN.
Old    Adam Curtis (acurtis_ttu)      Join Date: May 2004       08-17-2010, 8:06 AM Reply   
I've also wondered about this myself. the property side of things is not an issue IMO---property can ultimately be replaced. . the liability is the big concern. Unforntunately there was a death out on our lake over memorial day, the driver of one the boats was using a "friends" boat. No criminal charges were pressed . It was ruled a no fault accident, but there are pending civil charges. I will be curious to hear the outcome.
Old    Art (rallyart)      Join Date: Nov 2006       08-18-2010, 9:10 AM Reply   
The owner of property is liable for damage the property causes. If a shopping cart rolls downhill at a store the store has some liability if it damages a vehicle.
Check with your agent, but your insurance shoulc cover your boat with someone else using it. Their insurance might also cover them.
It's kind of fair. They've got liability for their cavin while you use it.
Old    Matthew Bird (ldr)      Join Date: Nov 2002       08-18-2010, 1:04 PM Reply   
So if a shopper of the store rams a shopping cart into someones car the store is responsible or liable for the damage to the car?
Old    Shawn (helinut)      Join Date: Apr 2007       08-18-2010, 4:04 PM Reply   
Quote:
Originally Posted by ldr View Post
So if a shopper of the store rams a shopping cart into someones car the store is responsible or liable for the damage to the car?
Only if he lets go of it just as it's rolling down the hill.
Old    George Aslinger (mobv)      Join Date: Jun 2002       08-18-2010, 6:14 PM Reply   
My insurance agent says that when I let someone else drive the boat I am accepting liability for anything that happens while they are behind the wheel. Boat loan terms said that insurance must not have any driver restrictions, had to change policies to meet their requirements. Its okay to do but realize that if an accident occurs you will be named if a lawsuit is filed.
Old    Tim (srock)      Join Date: Mar 2002       08-19-2010, 8:17 AM Reply   
Everyone is liable and will be pursued, just ask any attorney. Those with the deep pockets will be pursued even more.

Reply
Share 

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On



All times are GMT -7. The time now is 3:02 AM.

Home   Articles   Pics/Video   Gear   Wake 101   Events   Community   Forums   Classifieds   Contests   Shop   Search
Wake World Home

 

© 2012 eWake, Inc.    
Advertise    |    Contact    |    Terms of Use    |    Privacy Policy    |    Report Abuse    |    Conduct    |    About Us