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Thread: Metal Detecting Insurance

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  1. #46
    us
    Apr 2017
    Bay Area, CA
    Tesoro Cibola, XP Deus w/ HF coils, & 11" LF. Land and Sea pinpointer
    561
    790 times
    All Types Of Treasure Hunting
    Quote Originally Posted by Oddjob View Post
    Hunted all over Europe for nearly 20 years, never once heard of insurance for MDing, infact I never even heard of strict laws on MDing. Either you could or could not, but mostly could.
    Great, right!? Thats kinda the point, we don't need it specifically for metal detecting in most cases. But, speaking to personal liability coverage, due to some people being jerks, its wise to be covered. What if two weeks from now that permission has somehow tracked you down and said you damaged his sprinkler head and wants $2500 to have it fixed? What if someones dog goes off on you at the beach and chews your $1500 detector in half, ruining it? You would want to file a claim, no? This is standard coverage with your homeowners or renters policy. (coverage may vary by state.)

    But but, as its been stated above to have happened, if it can help to get some special permissions than I would be willing to have a little extra coverage if it can be provided for an affordable cost. And such is the reason I did a search for the topic and resurrected this thread because I've been presented with an opportunity where coverage is being requested.
    A2coins and Kace like this.

  2. #47

    Aug 2012
    RD1000, GSSI Profiler EMP-400. GPZ 14 & 19
    4,329
    8953 times
    Had two GPZs, two CTXs and some yaks stolen out of my boat house on the beach in Italy. My insurance was ready to cover them, but we recovered them before they had a chance. However the GPZs would not turn on, insurance rep had someone pick them up, someone who had no idea what they where doing, that someone said they could not be fixed. Insurance ordered me two new ones and gave me back my old ones, contacted Minelab, they said no worries and to send them in.

    I am not the sort of person who worries about an affordable monetary cost.

    However I do believe that integrity or a lack of can not be substituted with insurance. People these days look for back up protocols in situations they create them selves.

    Just not that guy and see no need for it. I see need for tough laws against people who lack integrity; used to back in the day a good firm whoopin or hospitalization would cure dramatic situations, these days far too many want that fall back. This is from the generation that over medicated.

    When it is all said and done, I either own every place I hunt or it is perfectly legal with no need to ask permission. If for some reason I where to damage something then I would step up, but I have been MDing for decades and yet to screw something up thus far, never even had someone make accusations against me.

    I say if we can not have more integral core values as humans and treat people how we would like to be treated; then take away all these meds and falls back and start promoting suicide because troll is not the new fashion, its a cancer on society.
    Keppy, Obsessive, A2coins and 1 others like this.
    Quote Originally Posted by G.I.B. View Post
    I'm not an Idiot Whisperer. I can't help you any further with the math.

  3. #48
    Charter Member
    us
    Tommy

    Dec 2015
    Ann Arbor
    Equinox 800
    19,737
    24378 times
    All Types Of Treasure Hunting
    Honorable Mentions (2)
    Great info never accured to me
    Kace likes this.
    Still Available ​Approved TreasureNet Stickers
    .:: $3.00 for 11" X 3" Bumper Sticker ::.
    .:: $2.25 for 1" x 4" Detector Sticker ::.
    (Free Shipping)


    SEE: TreasureNet Bumper Stickers

  4. #49
    us
    Executive Director of Nothing

    May 2014
    Not in the can
    Garrett AT GOLD, Garrett ATX
    487
    697 times
    All Types Of Treasure Hunting
    I tried to get Metal Detecting Insurance but was refused because of my preexisting condition, pinpointer elbow.
    Oddjob and 2mtech like this.

  5. #50
    us
    Kace

    Aug 2017
    Whites DFX, Whites Bullseye 2 Pointer, Audio 200 D Headphones, Garrett AT MAX, Garrett Pro-Pointer AT, MS-3 Headphones, Lesche Digger, Lesche Shovel, 4' T Handle Probe. GoPro, RC Truck, Drone.
    1,984
    4466 times
    Metal Detecting, Relic and Artifact Hunting, Prohibition Era and Civil War Era Cache Hunting.
    Quote Originally Posted by Oddjob View Post
    Had two GPZs, two CTXs and some yaks stolen out of my boat house on the beach in Italy. My insurance was ready to cover them, but we recovered them before they had a chance. However the GPZs would not turn on, insurance rep had someone pick them up, someone who had no idea what they where doing, that someone said they could not be fixed. Insurance ordered me two new ones and gave me back my old ones, contacted Minelab, they said no worries and to send them in.

    I am not the sort of person who worries about an affordable monetary cost.

    However I do believe that integrity or a lack of can not be substituted with insurance. People these days look for back up protocols in situations they create them selves.

    Just not that guy and see no need for it. I see need for tough laws against people who lack integrity; used to back in the day a good firm whoopin or hospitalization would cure dramatic situations, these days far too many want that fall back. This is from the generation that over medicated.

    When it is all said and done, I either own every place I hunt or it is perfectly legal with no need to ask permission. If for some reason I where to damage something then I would step up, but I have been MDing for decades and yet to screw something up thus far, never even had someone make accusations against me.

    I say if we can not have more integral core values as humans and treat people how we would like to be treated; then take away all these meds and falls back and start promoting suicide because troll is not the new fashion, its a cancer on society.
    OJ...Everything you said comes from the position of being a stand up guy with the extra funds to fix anything you might damage because some contractor didn't bury the fiber optics cable 2' down and only went 8" down. Even though the contractor didn't do the job right, you would still be held responsible for the $5k-$10k repair if it was cut. That's just one example of something a detectorist could be blamed for.

    I've never had any mishaps either, but I'd rather pay 1% of a bond to be B/I a year to cover myself and the owners on anything that 'could' happen because someone else took a shortcut on it. I have it separate from business and homeowners even though Obsessive is right about being covered with that insurance. If someone has any assets and an accident happens, being B/I is a buffer for anyone who tries to sue you personally...They've accepted it.

    It also is a Huge benefit at a small cost to accessing places. I never felt I needed it...Until I realized that in the city proper, property owners in the last 10-15yrs are Really Leary of being sued. There's No Worries by them when personally being B/I. I truly believe it opens more doors on private, city and state lands as well by both parties being protected.

    But I'm one of those that's big on insurance because so many either don't have insurance or only have minimum liability and I've been hit 3 times by those that carry minimum. I pay to have large Un and Under Insured too on my vehicles. I've never been in an accident that was my fault but I don't want to pay out of pocket when my insurance coverage is so cheap.

    That's Just My Thoughts...Not everyone is stand up or have the funds to fix an accident that might happen or that they were accused of.

    Kace

 

 
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