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Boat damaged in driveway

Old 02-06-2019, 02:52 PM
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Women shouldn't be allowed to drive
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Old 02-06-2019, 02:54 PM
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Get her phone records, 1000% chance she was on it when she smashed your boat
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Old 02-06-2019, 02:59 PM
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Don't file with your carrier unless you aren't getting anywhere with Allstate. It will be counted against you to file with your carrier but may or may not affect you, depends on the carrier and if they can get their money back.
Allstate may want to pay ACV where your policy (hopefully) is at least agreed value. Need to do your homework ASAP.

THT really needs an insurance forum
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Old 02-06-2019, 03:03 PM
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Originally Posted by ToddR View Post
I keep one of my boats stored in my parents driveway. Last week I was out of town and get a call from my mother that a car has run through their front yard and creamed the tongue of the boat trailer. The boat is now sitting on the trailer sideways and the trailer is definitely totaled. All tie down straps snapped off and the bow hook that the winch strap connects to is bent sideways. It was a lick to say the least. The prop drug the ground and I have no idea what kind of internal structural damage could have been done. There was no one home when all of this took place. There was a police report and a note from the driver left on my folks front porch. I called the driver of the vehicle and she informed me that her car was totaled and that she was very sorry etc. I've filed a claim with her insurance company (Allstate) and I am now starting to see the beginnings of a total headache. Have any of you guys had a similar experience? I have called my own insurance company and they are just telling me to call hers. How long should I wait before I just take out a claim with my insurance company and let them hash it out with hers? Any ideas on what I should be expecting? Any help or insight into this matter would be greatly appreciated. Thanks
Take a deep breathe

These things happen

Lucky for you have someone admitting fault, you have their contact information, you have her insurance information, you have a police report

Go get estimates for everything, get a surveyor if necessary

What are the minimums a driver must carry in your state? Are you able to ask the person what coverage limits they had?

I would expect this to take some weeks to work out and get a check. You can speed things up by having all of your estimates and what your want money wise ready and submitted. Do not forget to account for tow assistance getting the boat on another trailer, storage fees, disposal fees, etc. If you get push back, let us know. There are plenty of ways to apply pressure (if needed). There is no reason to file with your carrier.
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Old 02-06-2019, 03:04 PM
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Unless a person is ready to throw money away I donít know why anyone would ever call their own insurance company when someone else is at fault. If your insurance company gets involved your rates will go up. I would never want mine to know anything I was involved in if I could keep from it
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Old 02-06-2019, 03:06 PM
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I have not read entire thread, but I was inclined to quickly jump in on giving you some advice. I 100% would have a very reputable, very thorough, boat survey from top, bottom, inside, out and a separate engine survey done before the sun rose tomorrow. It would be extremely important to me to have that survey in hand before the adjuster showed up. I would go over every detail with the adjuster and have him or her put their finger and eyes on every single part of the boat based upon what was stated in the survey.
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Old 02-06-2019, 03:06 PM
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Originally Posted by silver01 View Post
Who ever says your premium wont go up, your smoking some good shit. Even if he wasnt at fault and he uses his insurance, his insurance will go up.I have personally been told by my insurance that my insurance will go up even though it wasnt my fault. You are using them to get your stuff repaired so they charge you for that service. Insurance companies are not on your side, they are there to make money not lose money.
sorry i dont smoke

my car got hit over the summer , totaled, $42k payout. My insurance paid and went after them, driver was 100% at fault. No rate increase. Does not show up as I shopped a classic car policy 6 months later and didnt come up with them either

my wife has been rear ended, twice, both times called my insurance company right away because I rather not get the jerk job from the other company, again rate never went up.

so long as your insurance company subrogates and get paid from the other company, if you are dealing with someone with NO insurance then yes you will likely see a rate increase

BTW when it comes to boat policies Ive had customers put 2-3 claims with their same insurance company and did not see rate increases. Boat policies from respected marine companies are NOTHING like auto policies. Marine insurance are much better to deal with.
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Old 02-06-2019, 03:10 PM
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Originally Posted by VaporTrail1 View Post
Unless a person is ready to throw money away I don’t know why anyone would ever call their own insurance company when someone else is at fault. If your insurance company gets involved your rates will go up. I would never want mine to know anything I was involved in if I could keep from it

Unfortunately even if you don't involve your insurance company some times your rates can still go up. Things get entered in systems, there are databases, etc. More likely it will come to light when shopping for insurance, some times they ask if you have filed any claims, and may look up various databases for history. So may not matter if you didn't go through your own insurance, you may still have to say yes you filed a claim. I have had some luck with the person who caused the accident actually starting/filing the claim so technically all I would do is sign a release and cash a check. That way I can honestly answer that I myself have not filed a claim. But that does require them to be willing and cooperative which is rare.

Any ways, in OP's situation, everything seems to be on his side, this should work out for him but he needs to get estimates, survey, etc ASAP. He is holding up the whole process without it.
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Old 02-06-2019, 03:19 PM
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Originally Posted by SHE GONE View Post
Get her phone records, 1000% chance she was on it when she smashed your boat
how will that help him get his boat fixed? The boat was parked. On a driveway. It isnít as if anyone can claim itís his fault.
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Old 02-06-2019, 03:54 PM
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Originally Posted by JONOV View Post
how will that help him get his boat fixed? The boat was parked. On a driveway. It isnít as if anyone can claim itís his fault.
Unless her insurance co. can show that he parked the boat in a poor spot. Might be able to assign a portion of the damages to the boat owner (or the person the parked it there). Don't think they won't at least consider it.
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Old 02-06-2019, 04:11 PM
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The best advice you have gotten is to get an independent marine and mechanical (engine) survey. The surveyor should know the value of the trailer. It is possible that it may be repairable. (New Tongue--and winch stand? May save running rear??) You will then claim the cost of the survey as part of your expense. No telling who Allstate will send as an adjustor--but I'll bet it is not a marine surveyor or engine mechanical surveyor!
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Old 02-06-2019, 04:11 PM
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Originally Posted by ToddR View Post
... that they haven't been able to get in touch with her to verify info ...
That seems to be the standard delaying tactic.

When I got hit on my motorcycle, the other party's insurance company gave the same story for two months straight. That's despite me having a freaking letter signed by the driver to admit fault (among other things)!

What worked for me, is getting a lawyer involved. Once my lawyer sent them a letter, the check for property-damage arrived in less than a week.
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Old 02-06-2019, 04:29 PM
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We use GEICO, had two incidents (both times hit while stopped), worked thru them and our rates did not go up. Unless youíre at least partly at fault, they shouldnt

Originally Posted by silver01 View Post
Who ever says your premium wont go up, your smoking some good shit. Even if he wasnt at fault and he uses his insurance, his insurance will go up.I have personally been told by my insurance that my insurance will go up even though it wasnt my fault. You are using them to get your stuff repaired so they charge you for that service. Insurance companies are not on your side, they are there to make money not lose money.
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Old 02-06-2019, 04:46 PM
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Originally Posted by ToddR View Post
I've got some photos but I don't believe I've posted enough to post photos. Her insurance company just informed me that they haven't been able to get in touch with her to verify info even though I have a police report. They told me a claims adjuster would contact me within 48 hrs. That was the day before yesterday. Should I call twice a day? Help help!!
Prepare for therapy!
Avid 24 is correct. I also deal with insurance on the collision side. If the person already all ready admitted it, fine. Keep up on phone calls to her insurance till you see someone, about once a day. Most will drag there feet, some adjusters are very understanding depends on the adjuster. If you don't here anything within 5 business days start blowing up there phones and keep going higher in the food chain. This will take some time. You can hand over copies of photos but not the originals.

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Old 02-06-2019, 04:46 PM
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Originally Posted by wshtb View Post
That seems to be the standard delaying tactic.

When I got hit on my motorcycle, the other party's insurance company gave the same story for two months straight. That's despite me having a freaking letter signed by the driver to admit fault (among other things)!

What worked for me, is getting a lawyer involved. Once my lawyer sent them a letter, the check for property-damage arrived in less than a week.
Another trick without having to pay an attorney is to file a small claims against the person. That usually gets their insurance saying OK lets settle quickly because they dont want to have to pay to retain an attorney to battle anything in court.
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Old 02-06-2019, 04:56 PM
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if their insurance co starts to jerk you around, just have an attorney write them a letter. they've already admitted fault.
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Old 02-06-2019, 06:36 PM
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I wonder how many people who say that your rates will go up in this circumstance have actually filed a claim?

People will tell you to call a lawyer and have them send a letter. At what cost? Probably on par with your deductible.

Or maybe some people use shitty insurance.
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Old 02-06-2019, 07:00 PM
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If possible, Have the boat towed to your boat dealer of choice. Have the dealer work up you an estimate to have repaired. Call the insurance company and let them know where the boat is and start the process of getting repaired. Along with the boat dealer, you can get the ball rolling. This is not a difficult process. As long as she has insurance, you should be fine
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Old 02-06-2019, 07:01 PM
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Originally Posted by porscheguy View Post
I wonder how many people who say that your rates will go up in this circumstance have actually filed a claim?

People will tell you to call a lawyer and have them send a letter. At what cost? Probably on par with your deductible.

Or maybe some people use shitty insurance.

this. I've always gotten my company involved whether or not I was at fault. Why? Because the at fault's insurance co will royally jerk you around if they know you don't have an insurer representing you. For you that say we're smoking crack for suggesting this, congratulations, you have crappy insurance and you've been intimidated into never using it. For anyone that sees a surcharge for an accident where you're not at fault you got your company involved and they didn't have to pay out - how's that cheap insurance workin out for ya? And if as someone here suggested your rates could go up even if you're not at fault and never involve your insurance company, why the hell should anyone have insurance?

If your company doesn't pay out on a claim your rates won't go up, assuming you have a decent insurer. Look for them- they still exist.



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Old 02-06-2019, 07:03 PM
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Post of the year nominee..

Originally Posted by SHE GONE View Post
Women shouldn't be allowed to drive
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