Re: Insurance

[Nancy DuPont <Htrails@Earthlink.net>]

>Date: Thu, 23 Sep 1999 22:49:43 -0700
>To: "Kirsten Price" <splash@dakotacom.net>
>From: Nancy DuPont <Htrails@Earthlink.net>
>Subject: Re: Insurance
>
>It would not cover you if the rider on your horse or at your event is
injured.   Ride Managers can cover injuries of any other kind.  Insurance
companies have put an exclusion to their insurance to NOT cover a rider.
Any other kind of injury, such as horse stampeding a spectator, ride
particpant falling out of a truck.  Covered.  Insurance companies say that
medical insurance will cover the rider should he fall and break a bone or
get permanently paralyzed - no coverage.  honest.  We have Phoebe Hearst
Cook working on it. She is using her $$ to introduce a bill to California
Senate to remove the exclusion.  Call your insurance company and get the
same surprise I did!! No coverage for riders at the event.  Of course, in
Endurance, riders are riding their own horses.  That is their horse, no
liability involved, right?
>
>At 08:57 PM 9/23/99 -0700, you wrote:
>>I assume you are talking about liability insurance here? I believe that is
>>the kind of coverage that is referred to with IAHA, and the kind of
>>insurance RMs would typically carry, if any, for the ride itself. Some folks
>>earlier were talking about regular major medical insurance... which would
>>indeed cover the rider's medical bills assuming the rider has such
>>insurance.
>>
>>Kirsten
>>
>>----- Original Message -----
>>From: Nancy DuPont <Htrails@Earthlink.net>
>>To: <Ridecamp@endurance.net>
>>Sent: Thursday, September 23, 1999 8:21 PM
>>Subject: RC: Insurance
>>> >
>>> >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.
>>> >
>>> >At 11:25 AM 9/23/99 EDT, you wrote:
>>> >>In a message dated 9/22/99 5:16:30 PM Pacific Daylight Time,
>>> >>gmcgraw@amtech.com writes:
>>> >>
>>> >><< As a RM and rider I would offer two suggestions regarding insurance
>>> >> coverage.
>>> >> *  IAHA as part of the membership fee provides $1,000,000.00  of
>>> >> personal coverage for accidents caused by your horse. The insurance
>>alone is
>>> >> worth the price of membership.
>>> >> *  IAHA  also offers very reasonably priced insurance for a ride. I
>>> >> manage a ride here in Texas and we use the insurance. Luckily we have
>>not
>>> >> had any claims but the real value may come some day if we do have an
>>> >> accident.
>>> >>
>>> >> I would encourage you to contact your local IAHA clubs about these
>>benefits
>>> >> or call IAHA directly (303) 696-4500. Remember insurance is only
>>expensive
>>> >> until you have a filed against you then it become cheap! >>
>>> >>
>>> >>AERC has a perfectly good $1,000,000 insurance policy in place under
>>which
>>> >>RMs can buy coverage.  It costs $110 per one-day ride.  I consider that
>>quite
>>> >>reasonable.  It only becomes a bit of a burden when it costs $550 for a
>>5-day
>>> >>multi-day ride.  I wish more RMs would use AERC's policy; the premium
>>could
>>> >>go down if more would use it.
>>> >>
>>> >>Barbara
>>> >>
>>> >>
>>> >>=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
>>> >>Ridecamp is a service of Endurance Net, http://www.endurance.net.
>>> >>Information, Policy, Disclaimer: http://www.endurance.net/RideCamp
>>> >>=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
>>> >>
>>> >>
>>> >>
>>> >
>>> 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
>>>
>>>
>>> =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
>>> Ridecamp is a service of Endurance Net, http://www.endurance.net.
>>> Information, Policy, Disclaimer: http://www.endurance.net/RideCamp
>>> =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
>>>
>>>
>>
>>
>>
>
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


=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
Ridecamp is a service of Endurance Net, http://www.endurance.net.    
Information, Policy, Disclaimer: http://www.endurance.net/RideCamp   
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=