Posts: 1936
Location: Eau Claire, WI | Mike,
To bring it up on your own...no no reason really. But when filing a claim most claim agents have been educated to ask questions. It's up to you as to how you answer... For me... I'm with "Handy" honesty is always the best policy. It's one of the rules I live by.
Bottom line...if you are knowingly making a false claim and they find out, it's criminal (insurance fraud).
I wouldn't imagine the "stump/log" example you used is much of a big deal or if your boat got a bunch of dock rash due to a storm but in the event of a serious incident where there was personal injury, medical payments and possible litigation for neglegence on the part of one or several persons...Ouch. E.g. Loose control of a boat at top speed, hit another boater, reef, log, etc, personal injury to someone in your boat or another boat = Financial disaster if you in any way are in part or in whole at fault.
My best suggestion to you or anyone.
1. Buy the policy that offers the coverage you want, and understand what is and isn't covered.
2. Assume the risk you are willing to be responsible for.
3. Don't expect a $200 policy to offer the same coverage as a $600 policy.
4. Be a safe/responsible boater and you hopefully will never need to make a claim against your policy. |
