Re: Insurance

[Nancy DuPont <Htrails@Earthlink.net>]

>Reply-To: "Kirsten Price" <splash@dakotacom.net>
>From: "Kirsten Price" <splash@dakotacom.net>
>To: "Nancy DuPont" <Htrails@earthlink.net>
>References: <2.2.32.19990924054943.006a9e58@mail.earthlink.net>
>Subject: Re: Insurance
>Date: Fri, 24 Sep 1999 06:52:35 -0700
>X-MSMail-Priority: Normal
>X-MimeOLE: Produced By Microsoft MimeOLE V5.00.2615.200
>
>Your first word is the word "it" and I can't tell what "it" refers to.  Does
>it refer to major medical, liability or some other kind of insurance?
>
>Major medical NEVER covers someone else, it only covers the insured and has
>nothing to do with "event" coverage. The only other kind of insurance
>covering medical bills under any circumstances (that I am aware of) is
>*liability* insurance.  In order to collect on liability insurance, the
>insurance company has to believe that whomever they are paying has a
>reasonably good chance of winning a negligence suit (against the person who
>bought the liablity) insurance in court OR that it's cheaper to pay off than
>to find out.
>
>It sounds like you are talking about "event" coverage. I have never heard of
>event coverage that pays out in situations of pure accidents (meaning no one
>is at fault). But, if there is such an insurance that covers other folks at
>the ride regardless of negligence or fault... I think that's great.
>
>Honestly though, I think getting such an exclusion repealed is going to be a
>*HUGE* uphill battle.  The reason is that the riders have purposely and
>willingly accepted the risk. The risk of a rider getting hurt is much, much
>higher than for anyone else at a ride and if you get such an exclusion
>repealed, I can foresee that the insurance rates for ride managers would
>skyrocket.
>
>Your last sentence really confuses me though.  It sounds as though your are
>talking about liability insurance there. My liability insurance doesn't
>cover my medical expenses for ANYTHING, nada, nothing.  That's not what
>liability insurance is for.  Liability insurance is for when I do something
>stupid (negligent) and someone else gets hurt. The insurance company would
>then pay out to the injured party and/or defend me in court if I got sued.
>
>My major medical insurance covers me (and me only) 24/7.  The only normal
>exclusions in major medical are when *some other insurance covers*.  The
>most common example is workman's comp.  If workman's comp covers you at
>work, then your Major Medical will not pay out for a work-related accident.
>
>I guess you can tell I am still confused.  So, maybe you can explain further
>what exactly this insurance is that you *expected* to cover the rider, but
>does not. Is it your own personal major medical insurance?
>
>Kirsten
>
>----- Original Message -----
>From: Nancy DuPont <Htrails@earthlink.net>
>To: Kirsten Price <splash@dakotacom.net>
>Sent: Thursday, September 23, 1999 10:49 PM
>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
>>
>>
>
>
>
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   
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=