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tripledigitken
Ultra Nomad
Posts: 4848
Registered: 9-27-2006
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What a sad situation. It points out the downside of business on the internet vs. face to face.
The endorsement probably would have been covered in the renewal had the policy been rewritten over the phone or in person at Discover's office. I
also have my policy written with Discover Baja and have been a member since Mexico West days. Carol and Hugh are standup people and i'm sure they do
feel very bad over this situation.
Best of luck Roasty.
Ken
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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I am in agreement with Ken, I was a chater member of Tom and Shirley Miller's Mexico West Travel Club and when Shirley sold it, I followed her over to
Discover Baja where she helped Hugh and Carol.
It is really sad what happened, but as no people at DB were involved in Roasty's renewing his policy online, and he picked the original (truck,
without boat) policy to renew, and never called the toll free number to varify that the endorsement would continue on, as he thought... Well, how
could DB be responsible in any way???
But, Hugh and Carol are still trying to help Roasty... That's very nice and what I would expect knowing them!
Roasty, I am not down on you amigo... What happened was horrible and I know you were hoping some comfort would come with an insurance payment...
However, the way things happened, no insurance company would have covered you. It is really bad news, and I know I would be steaming at everyone
involved that I thought were paid to help.
In fact, I think DB and the Nomads will help as much as possible... Lot's of eyes in Ensenada that will post here if it is seen! I wish for your
success in getting it back!
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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| Quote: | Originally posted by David K
It is really sad what happened, but as no people at DB were involved in Roasty's renewing his policy online, and he picked the original (truck,
without boat) policy to renew, and never called the toll free number to varify that the endorsement would continue on, as he thought... Well, how
could DB be responsible in any way???
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Well ... in ANY way? Who do you think puts the website together? What I don't understand, and doesn't make sense is this:
This was an endorsement, right?, and therefore part (an attachment, if you will) to the original policy.
If that's true why would you list the options in such a way that you can pick more than one policy, one to include the endorsements, and one not? At
the very least, that's a clumsy presentation of information, one that has apparently cost someone dearly. To say, that they have no responsibility
whatsoever is well ... overly optimistic.
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: | Originally posted by Roberto
... On the other hand, the person purchasing the policy should have checked it. These surplus line brokers are not exactly known for their competence
in writing these policies. Last time I renewed by Lewis & Lewis policy I got a policy for the right period and everything ... starting in 2001 and
expiring in 2002!  |
Roberto, you wrote this, yes? 
Now I know you like to always contest me, but I was AGREEING with you!
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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I'm just saying that DB is not totally free and clear on this one, and will at least make sure that type of mistake is not possible in the future.
I don't think they are legally responsible, and the person renewing should have checked.
And I don't like or dislike to contest you per se, I just think you're a boob - and like to say so as often as possible.
[Edited on 6-21-2007 by Roberto]
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cabobaja
Nomad
Posts: 363
Registered: 9-19-2006
Location: South \"O\", Elias Calles, BCS
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Mood: Smiling
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I am confused! What's a boob??
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cabobaja
Nomad
Posts: 363
Registered: 9-19-2006
Location: South \"O\", Elias Calles, BCS
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Mood: Smiling
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Ok, answered by own question thanks to Webster's:
Boob: simpleton; also: Boor (is this a big pig:bounce
Booboisie: Class of the general public that is composed of boobs.
Booby: An awkward foolish person, dope.
Booby hatch: An insane asylum.
Gee, maybe I'am a boob?
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Baja_Girl
Nomad
Posts: 157
Registered: 4-2-2007
Location: Pasadena, CA
Member Is Offline
Mood: suavidad
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A boob is the singular form of bosoms. everyone knows that...
...all seriousness aside...whether or not there is a claim against DB or not could end up a triable issue of fact for a jury. The law rests on the
notion of "reasonable" - was the information presented so that the Average Reasonable Person, using the website, would understand that he was buying
X and not XYZ.
Once DB's liability carrier (Errors & Omissions) determines that there is a triable issue of fact..then they will settle rather than risk a
sympathetic jury.
But, this is a sad situation for everyone involved. I have decided not to bring my dog to baja. I couldn't afford to lose her. Nunca. Everything
else is replaceable.
Good luck, Roasty, good luck nice people at Discovery Baja.
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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In that case, I am a Baja Boob!
Right on... and I think I would be boring to anyone who doesn't love Baja... I can agree to that... too!
How about staying on topic, this thread is about a tragic event and frustration with a service provider.
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
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I would like to know what Roasty paid for the boat insurance. If he asked for 12 month coverage and paid the price a 12 month policy cost (i.e.
evidence of what he asked for) he should be covered. At that point the way DB put together the coverage was an error on their part, at the very least
from a communication stand point. I would pursue litation against DB for sure if you didn't pay a pro-rated fee.
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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JZ, he never talked to anyone, he picked what to renew online, and he didn't pick a policy that included a boat when he renewed. If he called and
spoke to anyone at DB then all questions could have been answered and they would be responsible... Think of it, they want to sell MORE insurance, not
less... so they would naturally ask him if there was anything else like a trailer or boat to be included.
I see Roberto's point about making some modifications in the online purchase procedure... (even though he is a boob, too!)
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
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I'm not talking about the renewal sun boob, I'm talking about when the original endorsement for the boat was added.
[Edited on 6-21-2007 by JZ]
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Baja_Girl
Nomad
Posts: 157
Registered: 4-2-2007
Location: Pasadena, CA
Member Is Offline
Mood: suavidad
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I stick to my original analysis - the point of the website is to sell more insurance with less "man power" hours - its a great idea and makes money
for the brokers - but the bottom line will be whether or not "the average person" would have understood what was being purchased...or not.
Now, our lesson as nomads is to read, check, double-check and verify that our policies are what we intended. I am sad for Roasty and the others, but
I know now to be very careful.
Thank you, Roasty, for sharing this - and thank you DB people - for sharing, too.
lisa marie
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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| Quote: | Originally posted by JZ
I'm not talking about the renewal sun boob, I'm talking about when the original endorsement for the boat was added.
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This is great (not sure Roasty would agree) - the thread has turned into a dissertation on ... boobs.
Very appropriate - there's certainly a healthy representation available right here.
And, oh yeah, the day that I can make a reservation for every possible stop within 24 hours notice anywhere in Baja ... will truly be a sad day? Is
that so difficult to understand? Oops, stupid question. 
And another oh yeah - it's pretty difficult to make a reservation (and have any sense of assurance that a place will actually be available) when the
only available form of payment is CASH. This is the case in most places in Baja. Come on folks, get a clue - it's Baja, not Las Vegas.
[Edited on 6-21-2007 by Roberto]
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Before I buy anything on line from now on, I'm going to check with my new-best-friend-attorney-you-know-who,,,,,,,,
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Roasty
Junior Nomad
Posts: 68
Registered: 7-29-2006
Member Is Offline
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Currently travelling, so haven't had a chance to study the posts. Got notification from GE Segundo that they want to settle on the truck - Good
news! Got information from our USA coverage that the truck contents (computers/Generators/I-pods - Bose stereo and loads of stuff) - Covered !
The only problem we now seem to have is the boat and trailer. Again, (and yes DB this may go to litigation), we asked for a years coverage in Mexico
for our new Boat and trailer. And were duly charged for a years coverage. We did not ask for it to be added to an existing policy, (that had less than
a years coverage on it), we asked for a years coverage and were charged for a years coverage. Perhaps the people selling these policies should
explain that this is going to be an add-on to an existing policy - and needs to be specifically added back-on when that policy expires.
If that had happened, then the first question would be "Why are you charging me the full year then ?"
I think this practice is misleading, and leaves the buyer thinking they are covered for a period of time, when they are not.
Again, DB have been extremely helpful to us in the past, and we appreciate any assistance in the quick settlement of the truck claim, however we can't
afford a $50K hit on the boat and trailer, so stay tuned !
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Thanks Roasty for sharing the details with us... It can only help others to avoid problems you have experienced.
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Roasty
Junior Nomad
Posts: 68
Registered: 7-29-2006
Member Is Offline
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Thanks David, it's been a bit of an emotional roller-coaster these last few weeks, and I appreciate all the info and comments received. DB was very
helpful to us in the past and we trusted, and put a lot of faith in them to walk us thru the mexican insurance mine-field. Thats the only problem I
have, we were newbies to owning a place in Baja and used them for our casa policy and subsequent truck policy. Indeed we thought that by going to a
Baja/mexican travel club/specialist and putting all our coverage eggs in one basket - we were playing it safe.
I'm currently offering a $5,000 reward for info leading to the recovery of the boat and trailer. Please U2U positive info to me.
Thanks all.
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bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
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Roasty
Do you happen to have a photo of your rig?
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Roasty
sent you an earlier u2u....
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