Re: insurance
In reply to #782 insurance by Richard Johnson
Richard Johnson writes: > 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. Report on Damage: "Dear Hortalez-et-cie, Last wonday when my Free Trader "Noisy Roamer" was parked on Regni starport, Regina/Spinward, It suddenly was attacked by a large vicious building owned by the Regni Starport Authority...." If the ship is big and valuable (name a ship that isn't :) the underwriter would probably send out an investigation team to the site of the accident to inspect the wreckage. (This is a great opportunity for adventures: The underwriter is the Patron and the PC's the ones who are going to do the more- or-less-covert investigation of a suspected MultiMegaCred insurance scam.) If the insist on on-site inspections they would probably have a clause that voids the insurance if the ship is taken out of Imperial Space. (If the under- writer is a Mega, that is (Hortalez?). If it was insured by a sectorwide or smaller they might even forbid travel outside one or more sectors.) In any case: Redzones is a no-no. (and amber might be too, if the players have settled for the really cheap insurance) There probably is high-risk insurances for ships doing potentially dangerous things (like trading in Corridor). But these tend to be *very* expensive and would have to be payed separately. > 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. Two additional questions: How much of the total value would the underwriter pay? and These Scoutships... Any ideas on iiss policy regaring ex-scouts crashing scoutships? I would tend to the wiew that they would look through their finger if the ship was smashed when it was doing things which was in the interest of the iiss or the 3Imp. BTW "Look through their fingers" imply "not pressing charges", unless the scout got nobled by the same mission it would probably have been the last scoutship that the iiss lent him/her/it. If it was destroyed during some semi-legal stuff, he would probably be hit over the head with a 29MCr fine (and perhaps a few years in the slammer)! - -bertil- - -- Bertil K K Jonell @ Chalmers University of Technology, Gothenburg NET: [email removed] VOICE: [phone removed] / +46 300 61004 "Don't worry,I've got Pilot-7" [address removed] (Famous last words) "There's a sucker born every month, except february, which have 28!" Alf Tanner All opinions and material above is the responsibility of the originator. Submissions: [email removed], or [email removed] Administrator: [email removed] (James Perkins) The TML is made possible by facilities provided by Tektronix, Inc.