Re: RC: Re: IAHA insurance exclusion

[RhndLev@cs.com]

Um, Sue, most of us buy insurance expressly to protect ourselves and others 
from our own negligence.  Most insurance policies cover negligent behavior 
but not intentional behavior.  So, this exclusion by the insurance policy at 
issue IS significant.  Negligence does have to be proven, obviously, but some 
things that we all do are negligent.  Daydreaming while driving or riding, 
for instance, or following another vehicle or horse too closely.  If auto 
insurance policies didn't cover negligent acts like these two, we'd all be in 
trouble.  However, given the fact that members of IAHA get this insurance 
policy as a bonus for membership, I don't think that we have a lot of room to 
complain.

Rhonda and Special


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