Documented: May 3, 2009
So the other day I was heading over to my local state farmer agent to pay for my car insurance. I figured since I was here I should talk to him about possibly raising the insurance coverage on the house to cover us for the Jump Day. Turned out to be not such a good turnout. According to the agent if State Farm new we were planning on building this ramp to jump it. They would cancel the home owners insurance on the house and since the mortgage is still being paid off the bank would take over the house and sell it. Kicking my parents out of there home(yes the ramp is on my parents property.) Not good new and a douche kind of a move to make. See I understand there concern, being afraid that if someone would sue if they go hurt and then State Farm would have to pay for that.
But truthfully, they don’t know skateboarding. And skateboarding has the lowest sue rate compared to everything else they deal with. Plus as skateboarders we know what were getting into, so if we break our arm its because of our fault and were not going to blame anyone else for it. State Farm is just so use to dealing will all the other sue happy morons out there.
Anyways trying to think of some ideas around this so we can still jump it here at the house. If that doesn’t work, I’m working on some other ideas as second and last resorts. It might come to be we will need to relocate it, if it comes to that. Its sad to think this is the second time this has happened. Right when we near the completion of the ramp something stupid comes up to hinder its progress…..
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1 comment:
If you are looking for insurance try searching for companies that insure skateparks. If what you are offering is non-profit you can get it pretty cheap. State Farm and other typical big insurance companies aren't to keen on skateboarding...as you found out. But you should be able to find some companies that will insure your ramp and protect from possible lawsuit. But again...like you said in your blog...skaters don't tend to sue. We know what we are getting ourselves into.
Good luck.
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