Poor Luck

[Acemac]

good lesson for everyone. when you borrow something make sure you tell people how to use it even if you think it is assumed.

[LightningBG]

I'd have them check to see if it could be covered under their auto insurance or home owners insurance. I know some auto insurance policies cover trailers while attached to the auto, but I'm not sure if that would transfer up to the boat as well.

Sadly I base a lot of my borrowing on ability to repay. My dad asked if he could borrow my snowmobile and I told him sure (even though he already has a couple of his own). My sister heard us talking and asked if she could ride it too. I told her no way. She asked why. I said because if he crashes he'll buy me a new one, if you crash you'll feel bad and say sorry.

I do everything in my power not to borrow stuff from other people. It just always seems to break while in my possession. Cheaper just to go buy my own. My own stuff rarely breaks.

[Fish Head]

Personally I don't think it's reasonable to ask them to pay for the entire damage out of their pocket. I think they should pay the dedcuctible and any increase in his insurance rate.

I agree with bturck that there is a very good chance they won't increase the premium. I've been an agent 27 years and we don't increase the premium for this. However he is "spot-on" regarding the possibility of non-renewal should there be another incident in the next couple years.

Deitz- Any chance I can borrow your boat this weekend??

[Riich]

I don't borrow much out either. You would think if someone borrows something,they would take extra good care of it, but I find that rarely happens. And sometimes, they sit on it like they think it is their own, and you have to go ask to get YOUR stuff back. The human race, tough to figure out.

[Chnginthhofl]

My golden rule is if they can not afford it they can not borrow it.

[I Love teeth]

We have settled. The parties who borrowed have agreed to cover 100% of the repairs, about $3000 worth. A good lesson learned. That was the first and last time my boat leaves without me at the helm

[MinnesnowtaWild]

I have let people use my old cheaper boats. But I have only had 1 person even ask me to use my good boat, and the answer was no.

Can I borrow your boat(s) please?

[MinnesnowtaWild]

I'm glad it worked out for you.