John Robinson
Well-known member
Some of you may remember last season in mid November when I mentioned that I had a serious accident with my buddies borrowed Snow Goose. Well I didn't feel comfortable posting more details at the time as we were going through the typical insurance coverage issues and I didn't want to post anything that could jeopardize my family or my injured buddy from a coverage standpoint. It took quite a while, but my insurance company finally did work with my buddy and cover all of his medical expenses, he is whole, I still own my home and we are still friends, so I wanted to tell a bit more about the accident.
First of all I am a sixty year old former USCG licensed boat captain, current private pilot since 1976, I've had one moving violation (speeding ticket) in over forty years of driving no accidents in either boat, plane or auto, in short I consider myself a thoughtful, careful person; so if I am capable of being temporarily careless to the point of almost killing someone, anyone can. I am one of those guys who reads accident reports, boats, cars, airplanes, and sees where the operator was careless and passes judgment on them as being idiots, reckless or whatever, and tell myself I'm too smart to make that mistake. I don't do that anymore. My message to all of you is to not take anything for granted, never let your guard down, and don't become complacent just because you have done a certain hunt hundreds of times in bad weather and darkness without incident, it only takes a few seconds of inattention to change your life forever.
Things I learned about the system; if you own a boat, don't loan it out to even your best friend. If an accident occurs lawsuits happen and no one is safe regardless of fault or common sense. It doesn't matter if it is your best friend and you both swear to never sue each other, it isn't up to you anymore, the insurance companies are making all of the legal decisions now, and to them it is nothing but business, personal feelings or friendships are completely irrelevant. Read your policy I was covered under my homeowners policy, but only by luck and liberal interpretation of the policy did I avoid being excluded. I think a lifetime of loyalty to this one company and very few claims built up good will to the point that they covered the accident over $100,000.00 claim. If you own and use a duck boat, talk to your agent and buy whatever extra coverage you might need, get at least a million dollar umbrella, it's really cheap.
I'll let you ponder the photos and post details later. Stay safe out there.
John
First of all I am a sixty year old former USCG licensed boat captain, current private pilot since 1976, I've had one moving violation (speeding ticket) in over forty years of driving no accidents in either boat, plane or auto, in short I consider myself a thoughtful, careful person; so if I am capable of being temporarily careless to the point of almost killing someone, anyone can. I am one of those guys who reads accident reports, boats, cars, airplanes, and sees where the operator was careless and passes judgment on them as being idiots, reckless or whatever, and tell myself I'm too smart to make that mistake. I don't do that anymore. My message to all of you is to not take anything for granted, never let your guard down, and don't become complacent just because you have done a certain hunt hundreds of times in bad weather and darkness without incident, it only takes a few seconds of inattention to change your life forever.
Things I learned about the system; if you own a boat, don't loan it out to even your best friend. If an accident occurs lawsuits happen and no one is safe regardless of fault or common sense. It doesn't matter if it is your best friend and you both swear to never sue each other, it isn't up to you anymore, the insurance companies are making all of the legal decisions now, and to them it is nothing but business, personal feelings or friendships are completely irrelevant. Read your policy I was covered under my homeowners policy, but only by luck and liberal interpretation of the policy did I avoid being excluded. I think a lifetime of loyalty to this one company and very few claims built up good will to the point that they covered the accident over $100,000.00 claim. If you own and use a duck boat, talk to your agent and buy whatever extra coverage you might need, get at least a million dollar umbrella, it's really cheap.
I'll let you ponder the photos and post details later. Stay safe out there.
John