Shady Billing Practices of IMIS Insurance
Geoff Schultz
practices of IMIS (International Marine Insurance Services) with whom
I and many others boaters have insurance. I'm currently sailing in
Honduras.
While I was home in the Boston area in early May I realized that my
marine insurance policy would expire while I was out of the country. I
also realized that the credit card information that they had on file
needed to be updated. A couple of days before leaving I called my
agent, Al Golden at IMIS, to find out what the renewal amount was
going to be so that I could either set up a payment via my on-line
bill payer or provide an updated credit card number. While I was
unable to speak with Al, I spoke with his assistant and explained my
situation. The next day the assistant provided me with details on the
renewal pricing. I provided updated credit card information and
assumed that I would be billed when the policy renewed. I also
provided my e-mail address so that they could contact me on the boat.
I was quite surprised when I visited an Internet cafe and viewed my
on-line credit card statement. IMIS billed my credit card for the
policy amount, $5014, on May 5th but the policy doesn't renew until
July 4th! I e-mailed IMIS asking what happened. Their reply was that
they assumed that I wanted it billed immediately and that if I wanted
a refund that I should return the they documents mailed to my house
along with a letter requesting that the policy be canceled! First off,
I didn't want the insurance canceled, second I was in Honduras with no
access to my mail in Boston and third I would never have authorized
them to bill me 2 months in advance! Providing a credit card number is
not authorization to bill at will. Another silly thing that they did
was to tell me that I could have received a cash discount had I paid
by check, which I could easily have done with my on-line bill payer.
I reiterated the above points in subsequent e-mail and stated that
they could keep the $5014 for 2 months, but in attempt to find some
middle ground where I didn't feel like I was being taken advantage of,
I wanted the amount of the cash discount refunded to me. Their reply
was that they felt like I was taking advantage of them with absolutely
no offer of how to reconcile the solution! Hey, they have my money 2
months in advance and I'm taking advantage of them?!?!? If that's
their definition of being taken advantage of, where do I sign up?
Now at this point I feel like I'm stuck between a rock and a hard
place. I'm afraid that if I dispute the charges with my credit card
company that they'll cancel my policy, which is something that I
definately don't want to have happen. IMIS doesn't seem to be willing
to come to any middle ground, so my approach is going to be to let the
world know about their practices. I just don't know why my dealings
with insurance companies regularly leave me with a bad taste in my
mouth. And if I have problems with IMIS regarding billing, what kind
of problems will I have with them regarding claims? If you have
insurance with IMIS, or are considering getting insurance with them,
be VERY careful with how you handle your payments.
-- Geoff Schultz
P.S. I've attached our e-mail correspondence so that you can see that
I'm not making this up.
******** Mail to Al Golden on 5/27/2004 *************
I just noticed that my credit card was billed for $5014 for my
insurance policy. While I expected this, the policy renews on July
4th, and I was billed 2 months in advance. Why did this occur?
-- Geoff Schultz in Honduras
******** Mail from Al Golden on 5/28/2004 *************
Geoff:
Sorry for any misunderstanding!
As far as I can tell from our phone log, there was never any mention
by you of a specific time to enter the charge, so it was entered as
soon as you gave us the authority to do so.
In the future you can either send a check, which would be much cheaper
anyway, or give us instructions on when you want the transaction
entered.
Fair winds,
Al Golden International Marine Insurance Services
********* Mail to Al Golden on 5/28/2004 ******************
Al,
Per the phone conversation with the woman who took my call to you, I
was supposed to be billed when the policy renewed. Not 2 months in
advance! The only reason that I called was because my credit card
number changed.
I could have easily set up an automated payment if that was going to
save me money. No one ever discussed that option with me.
At this point I want my premium refunded and then we can discuss
payment by check.
-- Geoff Schultz
********* Mail from Gary Golden on 6/1/2004 ****************
Geoff,
We apologize again for the misunderstanding.
However, please recall that you called us in May to report that you
were leaving to return to the boat the next day and that we should
charge your credit card. This gave us very little opportunity to
contact you to clarify that payment by credit card results in the loss
of a cash discount or to clarify when you wanted the charge processed.
However, we surmised from the fact that you called the day before you
were leaving that you wanted us to process the charge right away so
that we could inform you of any problems in plenty of time.
And it is our standard procedure to process credit card charges
promptly upon their authorization unless we receive explicit
instructions to do otherwise. I hope that you can understand that we
would get in a lot more trouble for forgetting to process a charge or
processing a charge too late than we would in circumstances like yours
where we have processed a charge too early.
If you are insistent on us processing a refund for you, please return
the insurance policy declarations renewal that was mailed to your
Cameron Drive address on May 10 along with a formal written request
that the policy be cancelled. In order to receive a 100% refund these
documents must be received on or before July 10.
However, we hope that you will decide to allow us to continue to serve
your insurance needs.
Sincerely,
~GARY GOLDEN International Marine Insurance Services
************ Message to Gary Golden on 6/2/2004
************************
Gary,
I feel like you're doing quite the job of twisting the facts to match
your actions. First off, I would never have authorized your to bill my
credit card 2 months in advance for a $5000 charge. Cash is king and
you've moved $5000 to your pockets for 2 months before you have to pay
it out. That's ridiculous. Next, you have my e-mail address aboard the
boat and if there were any problems processing the charge you could
easily have contacted me. On top of this I was never informed about a
cash discount. I could have scheduled a payment via my on-line bill
payer to arrive at/before the due date.
Now I'm in Honduras and you want me to return the documents to you and
request that I cancel my insurance while I'm cruising! Clearly that
isn't possible or reasonable. I simply want insurance and am willing
to pay for it when it's due.
At this point I've been bill $5000 two months in advance and I've lost
the cash discount. Seems like I've lost on both accounts. I'd be
willing to let you keep the $5000 if you refund the amount of the cash
discount to me. I do NOT want to cancel my insurance. I just want to
end up with a situation where I, the customer, don't feel like I'm
being taken advantage of.
-- Geoff Schultz
*********** Message from Gary Golden on 6/3/2004 ********************
Geoff,
As I have said previously, we are sorry for the miscommunication.
However, your latest message would have been received more favorably
had you omitted the first and last sentences.
In your first sentence you 'compliment' me on twisting the facts. I
have stated to you honestly the facts as I know and/or understand them
and was disappointed to have been accused of doing otherwise. In your
second sentence you indicate that you feel as if you were taken
advantage of, but we have that same feeling. You called us and left us
a message that clearly intimated that you would be out of touch
starting the next day and yet you expected us to take care of
everything for you. We did the best we could to comply with what we
thought was your desire, but you didn't give us much to work with.
We do not give cash discounts because we prefer cash and checks, we do
so because it is less costly for us to to accept those forms of
payment. Had we not already irrevocably incurred the costs associated
with your credit card charge we would gladly allow you the cash
discount.
Regretfully,
~GARY, International Marine Insurance Service
engsol
>On 10 Jun 2004 15:27:51 -0700, geo...@geoffschultz.org (Geoff Schultz) wrote:
>
>>This article details what I consider to be extremely shady billing
>>practices of IMIS (International Marine Insurance Services) with whom
>>I and many others boaters have insurance. I'm currently sailing in
>>Honduras.
>>
>
>It all sounds perfectly fine to me. They did their best to placate a customer
>with selective memory who assumed that everyone knows what he is thinking
>without him saying anything..
>
>BB
I have to disagree with BB on this one. I have several "things" where I
expect my credit card to be billed according to a billing cycle...
every month, quarterly, twice a year, or on a annual basis. I'd be pretty upset too
if I were billed two or more months before the "old" money ran out in the case of
the longer term accounts.
It's due when it's due, and not before.
I expect to pay it when it's due...but again, not before.
Norm B
JAXAshby
>with selective memory who assumed that everyone knows what he is thinking
>without him saying anything..
>
>BB
sorry, bb, it is against federal law to bill a credit card for services not yet
rendered/or product shipped unless the customer specifically agrees to it. It
is fraud.
Doug Dotson
Perhaps IMIS followed your rediculous rant against Fischer-
Panda and figured they better get their money while they
could. Is your solution to everything to air out your dirty
laundry online hoping to find someone to support your
position? If you can't come to terms with IMIS then cancel your
policy. There are plenty of other companies out there that
will gladly insure you. That is unless your litigious nature
is so well known now that folks would rather stear clear.
Doug
s/v Callista
"Geoff Schultz" <geo...@geoffschultz.org> wrote in message
news:e3dec976.04061...@posting.google.com...
JAXAshby
you say that, for his post seemed decidedly otherise.
>He requested it.
>
>BB
>
>
>
>
>
>
JAXAshby
>On Thu, 10 Jun 2004 17:08:18 -0700, engsol <engso...@peak.org> wrote:
>
>>On Thu, 10 Jun 2004 22:42:30 GMT, BinaryBillTheSailor@Sea++.com wrote:
>>
>>>On 10 Jun 2004 15:27:51 -0700, geo...@geoffschultz.org (Geoff Schultz)
>wrote:
>>>
>>>>This article details what I consider to be extremely shady billing
>>>>practices of IMIS (International Marine Insurance Services) with whom
>>>>I and many others boaters have insurance. I'm currently sailing in
>>>>Honduras.
>>>>
>>>
>>>It all sounds perfectly fine to me. They did their best to placate a
>customer
>>>with selective memory who assumed that everyone knows what he is thinking
>>>without him saying anything..
>>>
>>>BB
>>
>>I have to disagree with BB on this one. I have several "things" where I
>>expect my credit card to be billed according to a billing cycle...
>>every month, quarterly, twice a year, or on a annual basis. I'd be pretty
>upset too
>>if I were billed two or more months before the "old" money ran out in the
>case of
>>the longer term accounts.
>>It's due when it's due, and not before.
>> I expect to pay it when it's due...but again, not before.
>>Norm B
>
>He called and asked them to charge him. He didn't call and ask them to use
>the
>information he was giving them "now" to charge him at some time in the
>future.
>It sounds as if they have been straightforward in responding to his error.
>They
>are not mindreaders.
>
>BB
>
>
>
>
>
>
JAXAshby
rendered/product is shipped. What word don't you understand?
Glenn Ashmore
it goes into effect. Check your automobile policy. You will start
getting billed about 2 months before expiration.
If you want to get technical, the actual "product" is not completely
rendered until the end of the term. Fat chance an insurance company
will settle for that.
JAXAshby wrote:
> dougeies, it is against federal law to charge a credit card before services are
> rendered/product is shipped. What word don't you understand?
>
>
--
Glenn Ashmore
I'm building a 45' cutter in strip/composite. Watch my progress (or lack
there of) at: http://www.rutuonline.com
Shameless Commercial Division: http://www.spade-anchor-us.com
Glenn Ashmore
would be complaining about Al Golden. He moved heaven and earth to get
a builder's risk policy on RUTU when nobody else would even talk to
me. Geoff needs to chill a little and think ahead. IMS did exactly
what they understood he wanted. Besides, who pays an insurance bill by
credit card anyway? With internet banking you can pay your bills when
you want to from Timbuktu.
Doug Dotson wrote:
> Gee Geoff. It seems that trouble seems to follow you around.
> Perhaps IMIS followed your rediculous rant against Fischer-
> Panda and figured they better get their money while they
> could. Is your solution to everything to air out your dirty
> laundry online hoping to find someone to support your
> position? If you can't come to terms with IMIS then cancel your
> policy. There are plenty of other companies out there that
> will gladly insure you. That is unless your litigious nature
> is so well known now that folks would rather stear clear.
>
Meindert Sprang
news:20040610221211...@mb-m10.aol.com...
> dougeies, it is against federal law to charge a credit card before
services are
> rendered/product is shipped. What word don't you understand?
Are you sure about that? I have had a web-shop, using PayPal. The moment
someone ordered a product, Paypal immediately charged his/her creditcard and
an e-mail was sent to me to inform me of the payment made so I could ship
the goods. This is standard practise. Now don't tell me the entire Paypal
system would be against federal law.
Meindert
JAXAshby
bill prior.
JAXAshby
clear.
Jeff Morris
order yesterday and they say it might be shipping tomorrow, but the charges have
already shown on my credit card. I know that many venders honor the practice of
only billing after shipping, but I don't think its the law.
"JAXAshby" <jaxa...@aol.com> wrote in message
news:20040611090943...@mb-m20.aol.com...
~GARY GOLDEN, International Marine Insurance Services
appreciation to my client Geoff Schultz who, despite his concern with
our service, was willing to post our responses so that others could
fairly form their own judgements about our agency.
Now I must say that it is heartwarming to find that others are willing
to defend our agency based on their own good experiences and/or based
on the facts of this particular case.
I am also glad to see the astute academic discussion of credit card
charges and when they should be made, to which I have something to
add:
From our perspective, since we are not an insurance company but rather
an insurance sales agency, our services are rendered at the time that
a policy is issued, so it is not material when the policy takes
effect. Of course, if a client wants to wait until the last minute to
receive his policy we are willing to accomodate an explicit request
that we delay a credit card charge and subsequent issuance of the
policy, but most cruisers are very glad of the opportunity to get
their policy in advance so that they have time to read it before it
actually takes effect.
~GARY GOLDEN, International Marine Insurance Services
Dan Best
is a middle man, rather than the vendor of the widget that's being
bought. When someone sends money via PayPal, that's just what they are
doing. "Sending money". Their transaction with PayPal is to send
money, not buy the widget. It's kind of a fine point, and I'm no
lawyer, but it's more like you're wiring money to someone via PayPal
than buying the end product from PayPal.
--
Dan Best - (707) 431-1662, Healdsburg, CA 95448
B-2/75 1977-1979
Tayana 37 #192, "Tricia Jean"
http://rangerbest.home.comcast.net/TriciaJean.JPG
Doug Dotson
pay it when I receive it. The company I pay deposits the check or
chargves my credit card as soon as they get it. They never wait
until the due day. It has been this way forever. I know alot of
folks that wait until the last minute to pay their bills to earn that
last little bit of interest, or to avoid finance charges inthe case
of credit cards. This is normal practice. What happened to
Geoff is neither unusual nor is it illegal in any sense.
Doug
s/v Callista
"JAXAshby" <jaxa...@aol.com> wrote in message
news:20040610221211...@mb-m10.aol.com...
Wayne.B
>Jax is admitted to practice?
====================================
It's pretty clear that he's been admitted to the bar. The question is
how many on any given night.
Ace-high
with you and your company.
I have 2 quotes from June Cottrell in your company for cruising
coverage - I won't consider pursueing a business relationship with
companies like yours. Your lack of service and understanding might be
acceptable to the other "cruisers" who never leave the marina (or
building yard) - but not cruisers in remote areas.
From my perspective, it's very hard to have a nit picky relationship
when I'n in the Tuomotus or PNG or Chagos or other remote area.
Thanks again for clarifying your Customer Service policy as it applies
to cruisers.
On 11 Jun 2004 07:17:14 -0700, ga...@imiscorp.net (~GARY GOLDEN,
Scott Vernon
"Glenn Ashmore" <gash...@cox.net> wrote ...
> Besides, who pays an insurance bill by
> credit card anyway?
I do. I pay everything with a CC. I get points.
Scotty
S/V Lisa Marie
Balt. MD USA
Chuck Baier
insurance. NEVER have I been billed prior to coverage. The coverage
starts the day you pay. If that was the case you would constantly be
charged two or three months in advance. It don't work that way. I too
had problems with IMIS in getting quotes, then getting correct quotes.
When someone ask me about my problem, instead of Mr. Golden trying to
reclaim an unhappy customer, he threatened to sue me for "slander" as
he put it. Others have reported like issues with IMIS. If Geoff has
had issues with IMIS, Fischer Panda or anyone else I would like to
know about it. Since I do leave the dock occasionally and don't need
additional hassles when I am trying to enjoy cruising. I then look for
other information to confirm there is a problem. That is how all of
this is supposed to work. Otherwise, go sit in front of the TV and
forget these groups. They are for sharing information, good and BAD.
If you have a problem reading the bad, then skip those posts.
Glenn Ashmore <gash...@cox.net> wrote in message news:<CL8yc.6577$5B2.20@lakeread04>...
hanz
insurers several times (including Blue Water, Barnett, Jack Martin),
mostly because we could not get quotes in a timely manner. We prefer to
bind the insurance at least a month in advance so we can get the policy
and make adjustments as needed. We are currently insured by IMIS. Last
winter, we changed our itinerary. It necessitated a policy change to
include worldwide coverage. The adjustments were made by a phone call
from Trinidad to IMIS. We charged the additional premium. Yes, it was
charged immediately, but this was desirable so we knew we would be
covered, and we got confirmation (including the new policy coverages)
via email before we left. We only paid for the time period needed. We
didn't mind loosing a few dollars of interest (actually, with the
decline in the stock market, it probably saved us money).
Hanz
paul martin
answering all of our questions, which coming from the 'mate' being a
former insurance underwriter, were not just run of the mill.
You obviously know your business well and what's just as important to
us, you know boats. We've run the gamut of marine insurance brokers
who can't seem to get across to companies that there are in fact 28
foot boats worth well over $100K and quite capable of crossing oceans.
When we first arrived back in the states after a two year engineless
passage from San Francisco to Florda throught the Panama Canal, one
company at first said we would need more crew than two and have to
'buddy boat' if we wanted to go to the Bahamas from Miami. When they
found out our boat was only 28 feet they refused coverage on all
accounts because 'boats that small can't make that trip'.
Thanks again for your very professional efforts,
Paul Martin
JAXAshby
JAXAshby
Jeff Morris
nonsense and then try to bluff your way out.
"JAXAshby" <jaxa...@aol.com> wrote in message
news:20040613114753...@mb-m13.aol.com...
JAXAshby
wife to explain it to you.
Jeff Morris
on the FTC site, such as:
http://www.ftc.gov/opa/1996/06/cybersho.htm
It appears that the requirement is a good faith effort to ship within 30 days.
Some credit card companies may require "ship before bill" but it is not the law.
BTW, I usually pay Boat/US by credit card, and they always say "do you want me
to charge this now?" Since its usually a few days before renewal, (and well
within the grace period) I always say yes.
"JAXAshby" <jaxa...@aol.com> wrote in message
news:20040613195230...@mb-m05.aol.com...
JAXAshby
regarding ship after order date for mail orders. It is a $10,000 fine to ship
*after* 30 days *after* an order.
The charging only after shipment or customer authorization to charge earlier is
in no way related to the FTC 30-Day Mail Order rule.
It is against the law to charge a credit card before shipment unless specificly
authorized by the credit card user.
Jeff Morris
pretty explicit that goods must be shipped within 30 days of payment. However,
there is no "$10,000" penalty, there are guidelines for how to offer to return
the money.
http://www.ftc.gov/bcp/conline/pubs/buspubs/mailorder.htm
"When you offer to sell merchandise, you must have a "reasonable basis" for:
any express or implied shipment representation, or
believing you can ship within 30 days of receipt of an order -- if you
make no shipment representation or if the shipment representation is not clear
and conspicuous.
...
The "clock" on your obligation to ship or take other action under the Rule
begins as soon as you receive a "properly completed" order. An order is properly
completed when you receive the correct full or partial (in whatever form you
accept) payment, accompanied by all the information you need to fill the order.
Payment may be by cash, check, money order, the customer’s authorization to
charge an existing account (including one you have created for the customer),
the customer’s application to you for credit to pay for the order, or any
substitute for these transactions that you accept.
It is irrelevant when you post or deposit payment, when checks clear, or when
your bank credits your account. The clock begins to run when you receive a
properly completed order."
"JAXAshby" <jaxa...@aol.com> wrote in message
news:20040614212713...@mb-m06.aol.com...
jmax
basically honest citizen contacted IMIS Insurance to: 1.) inform them that
he was planning to leave the states, 2.) that he had changed credit card
providers and to provide the new card data for their records (only) 3.)
attempt to determine the policy renewal fees in order to setup his
"pay-on-line" (cash). IMIS Insurance company personnel were not listening
to there customer and took the filing of the revised credit card as a
request or allowance for immediate payment by the card without providing Mr.
Schultz the opportunity to pay cash through his "on-line" account.
Both parties involved Mr. Schultz as the customer and the IMIS personnel
involved acted in good faith based upon their perspective of what was stead
in that fateful call. Perceiving or interpreting the message from their
perspective points of view. Looking at their two very different
interpretations what was attempted to be communicated by that call both are
absolutely correct though radically different.
Mr. Schultz feels that he has been screwed in the transaction and IMIS feels
that they are being wrongly accused of screwing their client.
What is the answer? 1. Mr. Schultz should transact all future dealings with
IMIS (or any other company) in writing (a phone call can be made to confirm
the transaction) and IMIS acting in good faith give Mr.. Schultz the cash
discount even though the incurred the extra credit card payment expense
through this misunderstanding. The monetary value of the discount is small
in compared to the loss of customers this incident can generate.
Well I have had my say
Jim
<BinaryBillTheSailor@Sea++.com> wrote in message
news:goohc099im9ujdpkr...@4ax.com...
Keith
here if folks didn't reply to him. Just a troll. "Message, block sender"
Works like a charm.
--
Keith
__
"I could tell my parents hated me. My bath toys were a toaster and a
radio." - Rodney Dangerfield
"Jeff Morris" <jef...@nospam-at-all-sv-loki.com> wrote in message
news:5NWdnScx_5v...@comcast.com...
JAXAshby
Order Rule and charging a credit card.
but you are easily confused, jeffies, on a whole bunch of things.
JAXAshby
everything there is to know in the entire universe long before he enter junior
high school for the third time. That wouldn't be so pathetic except that
"keith" probably believes he has a right to breed more village idiots.
see "keith's" response below and shake your heads in disgust.
Scott Vernon
desk, buried under paper work. BoatUS extended the coverage 2 weeks (for
free) and sent another notice, which I paid today via credit card.
--
Scotty
S/V Lisa Marie
Balt. MD USA
"Dave" <Da...@nothere.com> wrote in message
news:832uc053stblip2uh...@news-east.newscene.com...
> On Mon, 14 Jun 2004 16:10:01 -0700, "jmax" <jm...@hurricane.net> said:
>
> >Well I have had my say
>
> You left something out. Following the misunderstanding Mr. Schultz made
> himself a total ass by blustering, threatening to "expose" his
> "mistreatment" and throwing a public temper tantrum when "I want what I
want
> when I want it" didn't work. My hat's off to IMIS for refusing to cave to
> such nonsense.
>
> Dave
> S/V Good Fortune
> CS27
>
Rosalie B.
>Could you tell us what law this is? I'm curious because I put in an Amazon
>order yesterday and they say it might be shipping tomorrow, but the charges have
>already shown on my credit card. I know that many venders honor the practice of
>only billing after shipping, but I don't think its the law.
>
I made a reservation at a marina for the winter - made the reservation
in October to be there December 15th. The whole charge was on my
credit card the next day. They did not wait until December to charge.
>
>
>"JAXAshby" <jaxa...@aol.com> wrote in message
>news:20040611090943...@mb-m20.aol.com...
>> it is in the agreement that payment is made upon order, otherwise the law is
>> clear.
>>
>> >> dougeies, it is against federal law to charge a credit card before
>> >services are
>> >> rendered/product is shipped. What word don't you understand?
>> >
>> >Are you sure about that? I have had a web-shop, using PayPal. The moment
>> >someone ordered a product, Paypal immediately charged his/her creditcard and
>> >an e-mail was sent to me to inform me of the payment made so I could ship
>> >the goods. This is standard practise. Now don't tell me the entire Paypal
>> >system would be against federal law.
>> >
>> >Meindert
>> >
>> >
>> >
>> >
>> >
>> >
>> >
>> >
>>
>>
>
grandma Rosalie
JAXAshby
>in October to be there December 15th. The whole charge was on my
>credit card the next day. They did not wait until December to charge.
did they ask for payment up front? Likely, as that is common, otherwise they
have to keep tied up a slip for which you might never show up for.
Rosalie B.
They didn't say that - they asked for a credit card number to secure
the reservation, and I've often seen that with hotels. So they would
bill me if I did not show up. I did not expect them to bill me in
advance - the amount included a utility deposit of $150 which there
was no need to charge for in advance as if I hadn't gotten there,
there would have been no utilities to turn on.
grandma Rosalie
JAXAshby
Rosalie B.
Yes - It's a good location and a nice marina, but the owner's policies
just leave such a bad taste that we will never go to the Keys on our
boat again.
grandma Rosalie
S/V RosalieAnn, Leonardtown, MD
CSY 44 WO #156
http://home.mindspring.com/~gmbeasley/id2.html
JAXAshby
>just leave such a bad taste that we will never go to the Keys on our
>boat again.
I have been hearing this a lot about Florida in general for the past couple
years. One of the reasons I decided not to go to Florida.
I was in the Keys last February (by car, helping a friend look at a couple
boats) and remember that the marinas seemed unfilled, both in slips and on the
land. Even the Miami boatshow had low attendance compared to a really
miserable attendance the year before.
Ralph
many years and pop in when in port.
It continually amazes me to see people responding to know it all know
NOTHING JaxAshby.
Surely it's OBVIOUS that he is an anal orifice who hasn't really left
his arm chair in years.
Why in god's name do you people respond to his purile infantile rants?
I skip each and every one of his posts, as I KNOW from past exposure
that he is ALWAYS full of crap and THRILLED to demonstrate that fact by
arguing non-sense.
Goober is as goober does. JaxAshbury is a waste of bandwidth. Ignore
him. Maybe he'll go away (but I doubt it).
Feel free to lay out your usual line of totall crap Jax. I won't see it.
I ignore you like everyone else should.
JAXAshby
doesn't read and that if he did read he would be glad for marina's gouging
customers with illegal business practises.
ain't that nice.
Geoff Schultz
insurance carrier as of yet. They've pocketed my $5000 for 2 months
despite having made 2 payments to the carrier per their e-mail to me.
If anyone doubts their motivation they need to rethink their stance.
People have asked why I payed by credit card. The answer is simple.
They couldn't tell me the exact amount before I left for Belize. Once
I got there I wouldn't have Internet access.
-- Geoff Schultz in Guatemala
ga...@imiscorp.net (~GARY GOLDEN, International Marine Insurance Services) wrote in message news:<91b431e6.04061...@posting.google.com>...
Doug Dotson
fact that they couldn;t give you the exact amount. Shame on
you for buying into a company that works that way. In
addition, giving them your credit card info without any
solid agreement on what the bill would be is pretty risky.
Doug
s/v Callista
"Geoff Schultz" <geo...@geoffschultz.org> wrote in message
news:e3dec976.04070...@posting.google.com...
Geoff Schultz
already had a policy with IMIS. They just couldn't come up with the
exact $ and cents necesary for me to cut them a check. Had they been
able to none of this would have happened.
I spent a lot of time looking at policies and they had the best one
available for my cruising area. I simply expected them to follow
what I would consider reasonable billing practices. You clearly have
no idea how difficult it has become for a US registered boat to obtain
international cruising insurance since 9/11. So instead of slinging
insinuations on topics that you're clearly not verseed in, why don't
you shut up!?!
-- Geoff Schultz
"Doug Dotson" <ddotso...@cablespeed.com> wrote in message news:<10e9edg...@corp.supernews.com>...
paul martin
find that...a.You were not covered during that two-week period should
you have made a claim, and b. once they received payment your coverage
(and policy period)was back dated to 6/6/04.
"Scott Vernon" <sbve...@enter.net> wrote in message news:<oPEzc.1098$Rp4.5...@monger.newsread.com>...
Scott Vernon
up in court? maybe. Yes, the new charge was backdated as I would have
expected.
--
Scott Vernon
Plowville PA __/)__/)__
"paul martin" <paul1...@yahoo.com> wrote in message
news:49d9a637.04070...@posting.google.com...