Insurance Tales

Originally posted by Presuming Ed How insurance companies sort it out between themselves is very foggy indeed. Yes, there's the whole Endeavour vs Juno stuff, but what they actually do to determine liabilities seems very opaque.

For the sort of relatively small claims we have been talking about, it will be dealt with by a quite junior insurance clerk, whose predominant experience will be with motorboat collisions, scant knowledge of IRPCAS for sailing vessels, and probably little or no understanding of RRS.

If its for a breach of the RRS that matches up with IRPCAS, such as port/starboard or windward/leeward it will probably go smoothly. For somethingmore complicated like failing to give room, there may be difficulties.

If a claim is supported by a broker's note explaining the RRS application and/or a written protest decision saying which boat broke what rules that will probably help get a favourable decision (assuming the decision supports the claim). A favourable protest decision, particularly a conclusion that you are exonerated from breaking rules and could not reasonably have avoided collision, will certainly help in any dispute with the insurer.

Whether or not your insurer will pursue the other party for deductibles or other losses arising may depend on the insurance policy and how strongly your broker sticks up for you, or how much of a nuisance you make of yourself.

Edited by Brass - 07 Apr 18 at 12:41am

Patj,
We have nothing set up for such a procedure, no one is assigned to deal with a protest, OOD is in charge of racing on the day but again there is no procedure to follow if someone did protest.

We do not have a race committee, their are only 39 of us, normal race day we have about 8 boats racing, probably another 6 sailing round, most boats racing last year was 14.
I have been a member since 2011 and never seen a protest or a falling out.

At it's best a protest can be an amicable way of resolving an incident. It doesn't have to ba acrimonious and it will be a learning opportunity for all.

Originally posted by 423zero Presumably if we want to sail a destruction derby type race or any other format we all agree to we can ?