#1639
SeaGoat - 7/25/2012 3:28 PM
Greg,

It might be best to talk to to the insurance company directly. When I went through IDC, it was explained to me that the limitations on filing a claim against an instructor was 7 years after taking a class. (I asked a similar question - discontinuing dive insurance if I took an overseas assignment, starting a family, etc.) Has it been 7+ years since your last student? If not, you may want to keep your insurance current as CYA.

As H2Odragon pointed out, people will try to sue you for merely being present at the time of a dive accident whether you are their instructor or not. Oftentimes, my boat captain friends will list me on their roster as an Advanced diver.

Sadly, there are people out there who just suck, are after easy money and do not like to take responsibility for their actions. At least insurance will help keep you from paying off their mortgage and putting their kids through college.