insurance

Insurance companies are NOT going to let players get away
with anything.

1. Player buys (or leases) an expensive vehicle.
2. Vehicle is damaged or destroyed.
	(actually that was originally "Referee destroys..."
	 that's an "Act of God" and won't get covered.)

The insurance underwriter does not want to pay for a starship
that he (or she) cannot *guarantee* really was destroyed.  This
is hard to prove when communication is so poor.

The underwriter probably insisted on a clause that said he (or she)
would not pay if the ship was damaged or destroyed by an act of
war or piracy.

The underwrite will try with all of his (or her) might to show that
the ship was destroyed by the players' negiligence, lack of training,
or whatever.

The cost of even a really cheap starship makes a lot of fighting in
courts worthwhile.  Yes, the insurance is required by the lending
institution and is payed each month with the mortgage, but that does
mean the players got a good underwriter.

Richard Johnson

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