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Holiday 2018

boatingonthehudson.com

at that moment something had gone wrong with my ski. It turns out

the wisps of what I thought were steam were actually smoke. There was

some kind of malfunction which caused a fire in the resonator box, which

burned a hole in the box causing the ski to take on water and sink! The ski

was towed to a marine repairer nearby who later diagnosed this problem.

At the time I did think it odd that the engine did not strain or operate at

half speed which is usually what happens when weeds are clogging the

engine. Good thing for my Progressive Insurance policy which not only

paid for the $2,600.00 repair but the $1,275.00 recovery charge from the

bottom of the St Lawrence.

When I returned home to Cortlandt Manor, and eventually got to my

emails, there was one that was about a class action lawsuit involving

many SeaDoos, my model included, that experienced overheating and

fires in the resonator box! So now I am trying to recover not only the

deductible for the insurance claim, but the cost I paid to rent another

ski in replacement. I’m not sure how long this process will take, but the

deadline to file was 10/18/18. Those of you out there with SeaDoos, check

to see if your model if affected by this class action suit. By the time the

next issue comes out I will have an answer for you as to what the outcome

was for me.

So the moral of the story is be sure you have insurance for your jetski.

You can buy bodily injury/property damage liability insurance with and

without the hull and machinery insurance. Even if it is old and you do not

want hull and machinery insurance, buy it for the recovery costs which

could be a big expense. Think of the bodily injury and property damage

liability exposure if my ski had caught the Village dock on fire with all the

expensive cabin cruisers and people on board as well as pedestrians on

the dock. So, how much insurance would be enough in that situation?

You better have a personal umbrella policy, with limits in the millions!

Our insurance agency has been insuring boats, jetskiis, homes, cars, rental

properties and all kinds of commercial businesses since 1973. We welcome

calls or emails for quotes or questions for any type of insurance. We are

open Monday - Friday 8:45 am - 4:45 and have licensed brokers here to

help you.

Disclaimer: This article is for informational purposes only. Consult

your own company or broker for details on your own policy.

Cathy J. Karas, President Licensed Broker, Certified Insurance

Counselor. Karas Insurance Agencies Inc., 321 South Riverside

Ave, Croton-on-Hudson, NY 10520. Phone 914-271-5188, Email