READY2GO
Guru
- Joined
- Jan 3, 2012
- Messages
- 521
- Location
- USA
- Vessel Name
- Walkabout
- Vessel Make
- 1989 Sea Ray 380 Aft Cabin
Oh, and the trigger for boat owner A's own coverage, including liability insurance for damage to the property of others, isn't negligence, it's simply whether the condition triggering coverage was sudden, accidental, and occurred within the period covered by the policy. One reason insurance exists is because people have accidents, behave stupidly, and produce unintended consequences, eg., run out of gas, lose way, get picked up by the tide, and slam into Donald Trump's yacht. You might feel like a gormless chump, but your insurance probably has you covered.
Spot on.
The only thing I can think of that would cause the insurance's liability coverage not to pay out on boat B is if the fire was intentionally set by the owner. That being said boat owner B still may have to file suit to get the insurance company to consider the claim. If B files suit against A then they have to investigate and consider the claim.