5. REBEL HEART: Insurance

Insurance?

The issue of insurance was raised on World-Cruising.
(BTW Rick is the founder  and one of the owners of World-Cruising).
Here is a copy of Rick’s comment:

At this writing, Charlotte, Eric, Cora, Lyra on s/v REBEL HEART are probably NOT yet on dry land. After issuing a mayday on April 6, 2014 they were rescued by the USCG and their home, s/v REBEL HEART  had to be scuttled and is resting at the bottom of the ocean. Perhaps tomorrow they will be or the next.

Insurance takes a long time if they were insured. Many cruisers are not insured. Insurance is VERY expensive and we pay a lot for it. Some are self insured. NOT saying these people are not insured. They could well be fully insured.

To read more of Rick’s comment on the question of insurance, click Read more.

However, that is NOT the issue here. There is no FEMA for them. There’sno boat for the insurance company to look at. Maybe they got their insurance paperwork off and maybe not. How long does it take for insurance to pay? And in the meantime, what do they do? Right now, NO ONE knows the answers to these questions and that might include them too.

We got to know them a bit during the several months they were here in Bandaras Bay. They helped others who needed help. Charlotte organized a “food train” for other new mothers so that they could get on their feet. In the past she started a Facebook group call “Women Who Sail” when men belittled her asking relevant questions online in places like the Cruiser Forum. Her group is several times larger than this one and is made up entirely of women helping women. Most are cruisers and they are in the process of helping them too. Here, they contributed small levels of help and large. They did what they could to help others while they prepared as best they could for their own journey. Now, they are in need.

Cruisers take care of cruisers. For example: it was not so long ago that a cruiser (singlehander without insurance) in La Paz lost his boat to fire of unknown cause. Cruisers banded together at that time and raised enough money to actually buy and turn over to him another boat very similar to what he lost. Cruisers take care of cruisers.

When I suffered a massive pulmonary embolism several miles offshore in the middle of the night and I was the only one on watch and Lynn was below asleep, there was no help. We were responsible for ourselves and getting ourselves back to where help was. I could have deployed the EPIRB but didn’t. My call. The next morning Lynn knew I was not well but not how bad. Neither did I.

When we got to shore, we got help to see doctors. We got help to get to hospitals. We got help to take care of the boat. We got help in so many ways. When we started cruising about 8 years ago we always tried to help others when we could. That was our time to need help and help was there. Now, we pay it forward again trying to help those who need our help as only we as cruisers know how. About a year later another seasonal cruiser had a heart issue. We took him to the hospital He would have died without what we did. We paid his taxi bill without reimbursement so that his wife could be with him in the hospital. A few dollars here, a ride there, a bit of info passed along. Cruisers helping cruisers. A small but close knit community. A “neighborhood” of sorts looking out for each other even though we know that we might never see that person ever again.

Are YOU a cruiser? Or, are you one of the inconsiderate ones hiding behind a screen with little to no knowledge of what it takes and means to be a cruiser? I’ve seen so much of that garbage over the last few days…. So, if I come off rather abrupt you have a good reason why that might be.

There are MANY questions =I= have about Rebel Heart. NONE of them have to do with whether they are insured or not. My questions have to do with how is their current health and well-being as well as what went wrong and why their backups didn’t work or were not allowed to work. Could it be that the health of their child was more important than the boat and they knew that the condition was beyond what they could ever have prepared for? You think just maybe?! Ever hear of the benefit of the doubt or does that only apply to “you” (in a general NOT specific sense)? Monday morning quarterbacking never won a game.

BTW, at 6 knots, it takes several days for volunteers to organize and get 900+ miles west of Mexico, plus a considerable fuel load and good winds, unless you have a long range capable powerboat also capable of high speed. Unfortunately, although the volunteers were here in Bandaras Bay and there in La Paz to name two places, there was no time to get there and the Navy didn’t wait to see/hear them coming.

Now, =we= have contributed to their fund. How many of you cruisers have? If you haven’t, NOW is your chance to step up and help a fellow cruiser who has lost everything AND who are being vilified by people who don’t have a clue about their lifestyle and what it means to be a cruiser or cruising family. Cruisers help cruisers; often times when no one else will because we know what it is like out here. We know that next time it could be one of us that needs help in some way. Support your fellow cruisers as much as you can. Wouldn’t you want help if it became your turn to need help? Pay it forward when you can. You can do that now.

If you’re looking for a way to help: this is it. https://fundrazr.com/campaigns/djWq3

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