Insurance--DIY fixes that your insurance might not like

[john61ct]

Yes of course, when the two are the same state that would seem obvious.

My original question, again.

> And does the commission's oversight key off your legal domicile state, or where the boat's registered?

For anyone to answer if they know, otherwise feel free to just let it sit there

[kmacdonald]

Originally Posted by Paul L

My insurance contracts state what courts govern the contract.

Really? The insurance company doesn't decide that.

[44'cruisingcat]

Originally Posted by kmacdonald

Yes. Obamacare. No pre-existing condition exclusions. Price of policy based on age alone.

Giving false information to get insurance can only be used to deny claims in the first year.

LOL, that's nuts! So 70 year old with heart disease can say he's a healthy 18 year old, get the cheap premium, wait a year and get a free heart transplant? Complete lunacy!

[john61ct]

No the rate paid to the insurance company has nothing to do with what the insured pays, this is a subsidized highly regulated scheme for lower income people without employment provided coverage.

Note we're talking about the US attempt to compromise between basic health care as a right of citizenship, which it still doesn't have, and allowing private profit-making entities to still get their pound of flesh.

I believe in your country the basics are covered, and "private cover" is only needed for supplementals, correct?

[IslandHopper]

WTH was this thread about again??

[44'cruisingcat]

Originally Posted by john61ct

I believe in your country the basics are covered, and "private cover" is only needed for supplementals, correct?

Most healthcare needs are covered by the government system, but for some "elective" procedures you could be waiting a long time.

Years.

And "elective " stuff can feel pretty essential. For example, I had a knee full of bone fragments completely lock up, so I couldn't walk. To have it operated on free, I'd have had to wait two years.

Got it done in less than a week privately.

For life threatening stuff the public system is pretty good though.

[44'cruisingcat]

Originally Posted by IslandHopper

WTH was this thread about again??

Thread drift is good. Think how much unexpected stuff you learn!

[Paul L]

Originally Posted by 44'cruisingcat

LOL, that's nuts! So 70 year old with heart disease can say he's a healthy 18 year old, get the cheap premium, wait a year and get a free heart transplant? Complete lunacy!

Not at all. The 70 year old is covered by Medicare and would have been since she was 65. The state of her health is not relevant to getting the coverage.

[Paul L]

Originally Posted by kmacdonald

Really? The insurance company doesn't decide that.

The insurance company writes the policy and the insured agrees to it when they pay for coverage.
Ive had policies on our US registered boat that listed London courts for any suits.

[GrowleyMonster]

Originally Posted by IslandHopper

WTH was this thread about again??

That was a long time ago. Irrelevant. Welcome to the internet.

[44'cruisingcat]

Originally Posted by Paul L

Not at all. The 70 year old is covered by Medicare and would have been since she was 65. The state of her health is not relevant to getting the coverage.

Ok, change 70 to 50.

[Paul L]

Originally Posted by 44'cruisingcat

Ok, change 70 to 50.

Then they would be able to apply for an ACA policy during the open enrollment period in Nov each year. Pre-existing conditions do not matter towards eligibility or price.
There's so much wrong with the US health care system that there's no need to find the nonproblems.

[kmacdonald]

Originally Posted by Paul L

Then they would be able to apply for an ACA policy during the open enrollment period in Nov each year. Pre-existing conditions do not matter towards eligibility or price.
There's so much wrong with the US health care system that there's no need to find the nonproblems.

Yes the US health care system is riddled with corruption, fraud, and greed.

[S/V Alchemy]

Originally Posted by boatpoker

4,693 marine survey reports
43 court proceedings as expert witness
422 disputed insurance claims investigations

There are somewhere around 2,000 photos on my website and another 80,000 in my files

[dcruz99801]

Originally Posted by hellosailor

thinwater-
...you could follow up by filing a complaint with your state insurance commission. I say guessing because in some states that's pissing in the wind (Florida) while in others, you actually get help.... they used to be allowed to drop 2% of their policy holders every year without any stated reason, to being a "troublemaker" could be risky..... The good thing about ambiguous language in unilateral "contracts" is that in pretty much all of the US, the courts will interpret it, and hold it, 100% against the party that wrote it that way. The bad news is, you have to take it to court. Or, if you live in the right states, you call those mice insurance commission folks.

A few years ago I asked my Florida-based agent -- for a London underwriter -- to up the value of my boat as we had purchased a fixer-upper and added significant work and equipment. He told me I would need a new survey, and I agreed to have it done as soon as I could move the boat from La Paz, Mexico to Guaymas, a 300 mile trip. There it could be hauled (25' wide tri). On our first attempted move I was injured, returned to La Paz and went to the US for surgery.
While recovering my premium came due, and the agent informed me that he had forgotten to pass on that they wanted to cancel for lack of said survey. I explained the boat was "parked" and I could not move it, so I paid for a non-op policy at nearly 75% of full coverage. When I returned to La Paz to move the boat, and asked for a rider to cover the trip, I was informed they were dropping me, again for lack of survey. He implied they were trying to get out of multihulls anyhow, nothing personal, thanks for the extra year of premiums.
Rust never sleeps. In addition to weasel-wording and (almost automatic) claim denial, the industry puts much more effort into influencing the commissions and courts than the public, but it sounds like fighting the system is a young (Florida) man's game.

BTW, who hijacked a boat discussion to talk ACA politics?!