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Summer raises garage insurance coverage questions for - China Marine Outboard Motors by grehh hernjer
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Summer raises garage insurance coverage questions for - China Marine Outboard Motors by GREHH HERNJER
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| Article Posted: 06/03/2013 |
| Article Views: 90 |
| Articles Written: 1951 - MORE ARTICLES FROM THIS AUTHOR |
| Word Count: 699 |
| Article Votes: 0 |
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Summer raises garage insurance coverage questions for - China Marine Outboard Motors |
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Business,Business News,Business Opportunities
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June 20th marks the start of summer, and boat owners everywhere aremaking sure their favorite mode of marine transportation is in topcondition. Since many boats have an automotive-type engine, itwould seem to make sense to have it repaired at an auto repair shopthat services automotive engines. But will repairs be covered bytheir garage insurance ? According to Wolpert Insurance Agency , this is the most frequently asked question they receive in theearly summer months. Such was the case of am individual who owned an inboard-outboardboat and wasn t happy with the engine work being done by his boatdealer.
The client chose instead to have his boat tuned up by hislocal auto service station who had done great work previously onhis cars. Shortly after the boat tune-up was completed, the client took hisboat out and upon returning to the docking area, the boat slowedand the area where the inboard-outboard driving mechanism waslocated sank into the water. According to the repair shop, theseals around the mechanism had been damaged due to oil spill at thegarage and were unable to keep water out of the boat. When thegarage owner found out his coverage didn t include repairs toboats, he alone was liable for the boat s damage.
This was one example of what happens when boat owners and autorepair shops fail to check whether they re covered by insurancefor repairs done outside a marina, says Robert Mucci of WolpertInsurance Agency. He wasn t the first, nor will he be thelast. In the summer months where boat usage is heavy and the Marinaoperations are at their peak, it is not uncommon for garages torepair boat engines or fix fiberglass hulls, according to WolpertInsurance. But most Garage Keeper s Liability coverage states, We will pay all sums the insured legally must pay as damages for loss to a customer s auto left in the insured s care Wolpert Insurance warns boat and garage owners that at no time doesthe word boat appear, nor ATV, snowmobile, small aircraft orfuturistic jet-pack for that matter.
Because the words customersauto and garage operations appear in quotations within thepolicy, this means the terms are defined within the policy itselfand are not left to the reader s interpretations. According to Wolpert Insurance, customer s auto means acustomer s land motor vehicle, trailer or semitrailer left forservice, repair, storage, parking or safekeeping. By including theword land, it eliminates performing services to boats oraircraft. Garage owners need to understand those two definitions before thenext time a customer wants to back their 39-ft Boston WhalerConquest into their garage for needed repairs, says Mucci.
Although the language appears to be crystal-clear, it is still notuncommon to see service stations, body shops, used car lots andeven franchise dealerships with one or more boats on the premise.Especially near the ocean or where there are large bodies of water,according to Wolpert Insurance. We often hear people say their insurance agent is in here all thetime and sees the boats so it s his job to be sure that I haveboat coverage, says Mucci. But let me put it to you in simplerterms; if something is sitting in your garage and needs repair and it will float if you stick it in the water don t fix ituntil you talk with an insurance specialist, says Mucci as adviceto all his clients who seek advising. Insurance coverage is written for a reason and more often than not,the language is clear.
If boat owners in the Massachusetts area areunsure of whether their garage covers boat repairs, call WolpertInsurance Agency to make sure before it s too late. About Wolpert Insurance Agency, Inc. Wolpert Insurance Agency, Inc. was established in 1956 and has hadover 50 years experience within the insurance industry.
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