[Edothedado]

I just got off the phone with State Farm in reference to my boating insurance. It seems that the only persons that are allowed to 'drive' my boat are the names listed on my policy as a driver. If a claim is made on my boat and it is determined that the driver was not listed on my policy, then they will not pay the claim. This includes wife, kids, brother in law, friend, etc. Before anyone is allowed as a driver, they 'check' their driving record out and the rate is adjusted accordingly. My advice: Get with your insurance agent to find out how your policy reads. If anyone knows of a better policy, let me know.