Re: RC: Insurance

[Nancy DuPont <Htrails@Earthlink.net>]

>Date: Fri, 24 Sep 1999 23:46:51 -0700
>To: BMcCrary27@aol.com
>From: Nancy DuPont <Htrails@Earthlink.net>
>Subject: Re: RC:   Insurance
>
>My god, you got it! You are right.  We are talking liability insurance.
But did you also know that when a property owner gives permission - he
cannot be held liable if the person gets injured? Also, the parks are self
insured.  Yes, riders are own their own as far as accidents but they will
seek indemnification from ride management or any other deep pockets,
especially if they are on a borrowed horse.  
>
>At 12:08 PM 9/24/99 EDT, you wrote:
>>In a message dated 9/24/99 8:26:03 AM Pacific Daylight Time, 
>>Htrails@earthlink.net writes:
>>
>><< Did you know that here in California, without exception, that even if you
>> have insurance, THERE IS NO COVERAGE THAT COVERS THE RIDER ON THE HORSE.  NO
>> INSURANCE CO. WILL PAY OFF ON A CLAIM AGAINST YOU IF THE RIDER GETS HURT AS
>> IN FALLING OFF THE HORSE.  They will, however, pay for your defense and if
>> you win the case, no payoff is necessary.
>>  >>
>>
>>
>>Yes, I'm completely aware of this.  The main thing I'm concerned about is the 
>>possibility of suits brought against property owners.  Property owners, and 
>>the state parks system, will not give permission to pass through their 
>>respective territories without a certificate of insurance in their hands.  
>>I'm afraid the riders are on their own as far as accidents.  We're not 
>>talking medical insurance, we're talking liability insurance.
>>
>>Barbara
>>
>>
>
Nancy DuPont, Executive Director
Heritage Trails
1350 Castle Rock Road
Walnut Creek, CA 94598

Our Mission: To preserve and protect trails and answer the question, "Where
are you going to ride your horses, and where are you going to keep them."
Telephone (925)937-7661 FAX (925) 943-7431


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