Some time ago, I was discussing watercraft and boat insurance with the owner of an insurance agency in Kailua Hawaii, I think he noticed I was wearing a Kailua Canoe Club sweat shirt. We discussed some of the types of water toy, boat and marine businesses they insured. He said that everyone who owns a jet ski must have a license and insurance for it. If there is no proof of insurance, it can be confiscated by the authorities, but more importantly if it was stolen you will eventually get it back if it was registered with its identification number.
It all made sense to me, and as I was thinking about it later that night, I saw on cable TV where someone stole a kayak from the back of the owner’s pickup. It had a sticker, and after the owner provided a digital photo of it, it was circulated across 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 anyone who’s ever put a kayak on the mainland or anywhere off that island chain. It’s like the FBI’s Most Wanted List at the Post Office or the Child Predator Show on TV, and keep in mind that TV just put it on the airwaves for kayaks for free, maybe it costs $600.00, but definitely no more.
The next night at the same cable station there was a story in which a car was going down the main freeway in Hawaii (The H1) and as it passed under an overpass, suddenly a surfboard came through the window. Fortunately, this rare incident did not kill or injure anyone, but the freeway closed to the dismay of all motorists. Was there a dispute between the young surfers over the overpass? Was the surfboard accidentally dropped? Do you think it was a stolen surfboard? Lastly, I don’t think the surfboard owner had insurance for it.
Still, I’d bet if the Mercedes SUV owner had some sort of uninsured motorist insurance, I wonder if flying a surfboard without insurance? Maybe I should ask my new insurance acquaintance what happens in such an event the next time I see him. The reality is that you never know what could happen – it just could happen, and you’ll need insurance at some point. In fact, I hope you will kindly consider and consider all of this.