23LikesNew motor got hit at ramp. Opinions needed.
08-10-2018, 02:31 PM
#41
Admirals Club 
Join Date: Feb 2016
Location: NSB, FL
Posts: 372
you should be fine with insurance since it is brand new. I just went thru the same, except my motor was 11 years old. Boat insurance is handled differently than auto, boat insurance they only require a quote to repair/replace damage. Auto requires an adjuster to review damage. My claim was completely handled via email. Once they review quote they use a depreciation scale, that deducts 10% of repair each year after 6 years. I would bet you only have to pay deductible on a new lower
08-10-2018, 02:32 PM
#42
Admirals Club
Join Date: Feb 2016
Location: NSB, FL
Posts: 372
Originally Posted by v12mac
Who gets the damaged lower after the repair? It still has a value.
08-10-2018, 03:25 PM
#43
Admirals Club
Thread Starter
Join Date: Apr 2009
Location: League City, TX
Posts: 924
Still waiting on approval from the insurance to cut the check but you are correct there is no adjuster needed. The dealer sent in the quote and now we are in the waiting game. There will be no deductible for me. I will be trying to keep the older lower unit as well. I'm sure there's a few bucks I may be able to get out of it.
08-10-2018, 04:23 PM
#44
Senior Member
Join Date: Jul 2009
Location: FL/HI
Posts: 922
Originally Posted by tunnles
Sounds to me like some need to get some simple basic boating skills of what to do and how to do so nothing gets damaged !
And as for insurance claims DO THEY COVER BLATANT STUPIDITY or it there a separate clause for that !!
And as for insurance claims DO THEY COVER BLATANT STUPIDITY or it there a separate clause for that !!
08-10-2018, 04:39 PM
#45
Senior Member
Join Date: Dec 2014
Posts: 1,011
Originally Posted by wizness
dealer said needs a complete lower unit as the skeg is bent over half way up and a new steering ram as well. Was worse than I thought after we looked at it. Going for a complete lower instead of swapping out everything to a new case so as to not void any warranty issues in the future. Will update once insurance gets quote and see how it goes. Called Suzuki as well and they said they will back it up.
08-10-2018, 04:45 PM
#46
Admirals Club
Thread Starter
Join Date: Apr 2009
Location: League City, TX
Posts: 924
Originally Posted by flcatcher1
Get that in writing.
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