Agreed. I obtained umbrella coverage a couple years ago and was amazed at how little it added to my premium total, but what really amazed me was how under-insured I really was. I had comprehensive coverage, but we had to increase all my liability limits before I was even eligible for the umbrella. I highly recommend it, especially if you pull skiers, boarders, tubers, etc.
Also you should have umbrella if you take out a lot of inexperienced boaters, children, and especially groups like scouts, church youth groups, etc. Relatives are bad enough but if a non-relative's child is hurt on your watch, regardless of fault, grab your socks.
The simple fact is -- the kayaker's shouldn't have been out at night, and scrit9mm shouldn't have been operating his boat at a speed which allows him to nearly hit an obstacle in the water without seeing it. The water, just like life, is full of idiots, you don't cross the street without looking both ways just because the walk light is on, do you?
So do you drive slower on a dark, unlit interstate because someone might try to walk across it where they are not supposed to ?
If they did, stepped off of the dark shoulder... you were driving at or under the speed limit and hit them, would you be at fault???
No!!! and neither would the O/P be at fault! :facepalm:
So do you drive slower on a dark, unlit interstate because someone might try to walk across it where they are not supposed to ?
If they did, stepped off of the dark shoulder... you were driving at or under the speed limit and hit them, would you be at fault???
No!!! and neither would the O/P be at fault! :facepalm:
I agree with bits and pieces of what everyone is saying.
I am often accused by friends and family of being overly cautious and anal about redundant safety procedures.
However for those of you that have said we should cruise around at 5mph because it happens to be after dark, your nuts.
Home cooking... Ive got some news for you. Those kids could have been hit and killed at 35mph if they were on the water after dark at night with zero lights.... a prosecutor wont even think twice about it. It never even sees a jury.
Now if the boat operator is drunk with no witnesses of his own, he has a big problem on his hands.
(although doesn't the red/green light have to be bow-mounted?)
Yea, I thought we had put this to sleep, sorry it hasn't gone to bed quietly.
In summation, we need to realize that driving at night carries with it some inherent risks. We all should take into account how much we can and cannot see. It requires more care and attention than driving in ideal conditions. The amount of risk we are each willing to assume is subjective, as long as it is within the guidelines of the law. When we cross the line of the law it is wrong for everyone.
There are some in here that have a risk level that would keep them locked in their house all day and night and there are others that would be willing to bungee jump with a bungee that was too long! Risk tolerances are all different. The benefit of this thread is hopefully it has allowed all sides of the risk/rewards continuum to THINK about how we drive our boats at night, and hopefully that will make us all better and safer boaters.
We will never all agree on this issue, but let's get along without flaming each other.
Okay, I am off my soap box now ...
(although doesn't the red/green light have to be bow-mounted?)
Perhaps a trip to the USCG Nav rules online is in order.It does indeed, and I'm not sure what he means by "that POS white running light mounted on top of the windshield". If he's thinking of the all around light that's not where it's supposed to be either. Then again, I guess I'm only a sofa keyboard warrior, so what do I know?