Not long ago, I was talking about boat and boat insurance with the owner of an insurance agency in Kailua Hawaii, I think he noticed he was wearing a Kailua Canoe Club sweatshirt. We discussed some of the types of water toy, boat, and marine toy businesses it insured. He noted that everyone who owned a jet ski must have a license and insurance. If there is no proof of insurance, the authorities could confiscate it, but more importantly, if it was stolen, you would eventually get it back if it was properly registered with your identification number.
This all made sense to me, and as I thought about it later that night, I saw on cable TV where someone had stolen a kayak from the back of the owner’s truck. It had a sticker on it, and the owner provided a digital image, this was broadcast all over Oahu. Think about it, where are you going to go, it’s an island, you can’t go anywhere with it, and I don’t know of anyone who has ever kayaked to the mainland or anywhere away from that chain of islands. It’s a lot like the FBI’s Most Wanted List at the post office, or the Child Predator shows on television, and note that the television put this on the airwaves at no charge for a mere kayak, such worth $ 600.00 but not much more than that. by safe.
The next night at the same cable station there was a story in which a car was driving down the main highway in Hawaii (The H1) and, as it passed under an overpass, a surfboard suddenly went through the window. Fortunately, this rare event did not kill or injure anyone, but the highway was closed to the frustration of all motorists. Was there an altercation on the flyover between young surfers? Did the surfboard accidentally fall off? Do you think it was a stolen surfboard? Lastly, I can’t imagine that the owner of the surfboard had insurance.
However, I bet the owner of the Mercedes SUV had some form of uninsured motorist insurance, I wonder if flying surfboards without insurance counts. I may ask my new insurance acquaintance what happens at such an event the next time I see him. The reality is, you never know what could happen, only that it could happen, and you will need insurance at some point. In fact, I hope you consider all of this and think about it.