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Why You Need Boat Insurance

Word Count:

606

Summary:

Some people simply overlook boat insurance. They think that
nothing bad is going to happen, when in reality, bad things often
happen involving boats!

Keywords:

boat insurance,insurance,Watercraft Liability,full coverage boat insurance

Article Body:

Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats!

If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to carry full coverage boat insurance.

Again, most people don?t think anything bad will happen ? but bad things do indeed occur!

Vandalism is one problem that you may encounter. This is especially true if you dock your boat in a marina. Vandalism can also occur when you park your boat at your home, or at a hotel when traveling.

When you shop for insurance, make sure that vandalism is covered on your policy. Most issuers of boat insurance will only offer you the Watercraft Liability ? but in most cases, you need more coverage than that! Theft is another possibility. Cars are stolen all the time ? but boats are stolen as well. In fact, stealing a boat is easier than stealing a car!

Boat insurance should cover you in the event of vandalism, theft, sinking, fire, storms, capsizing, stranding, collision, and explosion. Furthermore, the insurance should cover the boat, the motor, and the trailer used to transport the boat. The boat should be covered no matter who is operating the boat, as long as they are legally allowed to operate the vessel.

Boat insurance will typically cover you in the event of malfunction as well. If something happens to your motor, it should be covered by your insurance. It should also cover you in the event that your boat needs to be towed back to shore.

What you are covered for depends on what type of coverage you purchased through your insurance agent. For this reason, it is important to know what type of coverage is available. Not all insurance companies will offer all types of coverage, but they will offer Watercraft Liability and Watercraft Medical payments.

Watercraft liability covers you just like car liability insurance protects you in the event of an accident where you are found to be at fault. Medical payments will cover medical expenses incurred by you and the occupants of your boat that are the result of a boating accident in the covered water vessel.

Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Wreck removal is very important coverage to have. If you boat sinks, it will need to be raised before an insurance company can access the damages and pay your claim. This is very expensive, and in most states, the law requires you to remove wrecked or sunken vessels.

Boats may be luxury items ? but they are very expensive luxury items.

Repairing or replacing a boat may not be something that you can easily afford ? but in most cases, you will find that boat insurance is quite affordable. However, if you are thinking in terms of cost, and you think that you cannot afford the boat coverage, you can be certain that you will not be able to afford to repair or replace the boat either!

No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage. Again, most states now require this liability coverage for water vessels, and if the boat is financed, the optional coverage may be required as well.

Discuss your boat insurance coverage needs with your insurance agent to determine what coverage is right for you and your boat.

Source: http://celebinstyle.net/2012/03/title-529/

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Source: Creamer?s Media Engineering News

Supplier of innovative small and medium-sized satellite systems SunSpace says its Sumbandila satellite has paved the way for further research and development into the requirements of a future, locally built, communications satellite over which the South African National Defence Force (SANDF) could have total control.

SunSpace executive director Ron Olivier says the Sumbandila satellite proves that a locally designed and built satellite can provide more up-to-date images on conflict and disaster than Google Earth, where images in lesser-known areas are up to 30 years old.

Buying images from international suppliers also holds the disadvantages of price escalations and the unavailability of images of certain areas.

The SANDF would be able to use this satellite technology to obtain real-time terrain analysis for peace operations in unknown territories and spread spectrum analyses, as well as use the platform for intermittent highly secure communications in peace opera- tions outside South African borders and stereoscopic satellite image information to construct accurate digital elevation models in unknown territories.

?Local satellites are critical for independent assessment purposes. Satellites are critical in modern society. From navigation to communications, modern technologi- cal networks cannot function without the critical infrastructure provided by satellites,? he states.

The Sumbandila satellite is a small earth observation satellite technology demonstrator and was developed and manufactured by SunSpace engineers. It was launched on September 17, 2009, from Baikonur, Kazakhstan.

Sumbandila weighs 82 kg and carries a high-resolution imaging payload, an experimental communications payload and a Radio Amateur Satellite Corporation transmitter, among other technologies.

The satellite was built with many purposes in mind, including space technology development, scientific and engineering human capacity development to establish South Africa as a space-faring nation and the stimulation of academic programmes around space technology.

The main goals from a science and engineering perspective were to successfully demonstrate new South African technology in imaging and spacecraft design.

?To date, Sumbandila has produced 2 121 images in total, of which 1 128 were classified as low to zero cloud cover. We have, since, dramati- cally improved our success rate,? says SunSpace software development team leader Dr Jacobus van Zyl.

Olivier notes that, of all the satellites launched on the same rocket at the same time, the Sumbandila, which operated for two years, had the longest operational life, despite not remaining fully operational for its three-year design life.

He adds that it provided high-quality images and good amateur radio communications until it was subjected to the radiation of a big solar storm.

?After two-and-a-quarter years, Sumbandila is still alive and responding today. However, it is not capable of imaging anymore, a function that it retained for two years,? Van Zyl adds.

?While Sumbandila can no longer serve South Africa directly, the effects of this technology continue to shape space science and technological human capacity development, spacecraft engineering, industrial participation, critical component procurement and image data processing for the next generation of South African satellites,? states Olivier.

SunSpace hopes to incorporate the knowledge gained from previous satellite developments into future designs. Extending the operational life of satellites is a key focus for the company.

?We plan to roll out designs shaped by these lessons for satellites in the African Resource Management Constellation, the potential Indian/Brazil/South African satellites, very high resolution earth observation satellites, navigation satellite gap fillers and potential future communication satellites,? notes Olivier.

Automation of the proprietary satellite mission control system for control and image data processing that will eventually be independent of satellite sources is a popular area in the satellite imaging development chain.

Van Zyl and his team are currently working towards improving satellite imaging developments, as well as investigating ways in which technology can be applied to further benefit South Africa.

?There are many other military and intelligence payloads that can be hosted by satellites and we are excited to be able to work with other local manufacturers should the need arise,? says Olivier.

By Yolandi Booyens

Source: http://africadefensejournal.wordpress.com/2012/02/24/south-africa-satellite-systems-company-paves-way-for-defence-developments/

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