40LikesBoat damaged in driveway
02-06-2019, 06:10 PM
#41
Senior Member
Join Date: Oct 2015
Location: South Texas
Posts: 744
We have USAA. Wife got rear ended by a dude with State Farm a couple months ago. She called USAA and they told her to deal directly with State Farm and if she had any trouble or pushback they (USAA) would get involved. State Farm took care of everything including a rental car with zero resistance.
02-06-2019, 06:12 PM
#43
Admirals Club 
Join Date: Sep 2016
Location: CHS
Posts: 88
Your insurer should have no problem subrogating this for you. I.E. they handle the claim and then, as suggested by others above, 'fight' the adverse party's carrier (Allstate). That may or may not be a less painful approach for you, depends on your carrier.
My classic car was rear-ended. My carrier had previously been great on a few no-fault claims, so I figured to run the claim through them and have them subrogate the adverse party's (at-fault driver who rear ended me) carrier. Based on previous experience I thought I'd be taken care of most expeditiously this way. That was fine until my carrier tried their level best to douche me on the value of my car, so I called the offender's carrier and they picked it up and did me right.
My classic car was rear-ended. My carrier had previously been great on a few no-fault claims, so I figured to run the claim through them and have them subrogate the adverse party's (at-fault driver who rear ended me) carrier. Based on previous experience I thought I'd be taken care of most expeditiously this way. That was fine until my carrier tried their level best to douche me on the value of my car, so I called the offender's carrier and they picked it up and did me right.
02-06-2019, 06:24 PM
#44
Admirals Club
Join Date: Aug 2013
Posts: 3,104
I love how the armchair insurance guys go to work on these threads. 
My office handles thousands of claims a year. Thousands. We do this every day, I laid out how it works above, yet we have people suggesting surveyors, that women should not drive, maybe she was texting, perhaps get the lawyers and guns, small claims.
Good grief.
My office handles thousands of claims a year. Thousands. We do this every day, I laid out how it works above, yet we have people suggesting surveyors, that women should not drive, maybe she was texting, perhaps get the lawyers and guns, small claims.
Good grief.
02-06-2019, 06:35 PM
#45
Admirals Club
Join Date: Oct 2018
Posts: 130
Originally Posted by Avid 24
I love how the armchair insurance guys go to work on these threads.
My office handles thousands of claims a year. Thousands. We do this every day, I laid out how it works above, yet we have people suggesting surveyors, that women should not drive, maybe she was texting, perhaps get the lawyers and guns, small claims.
Good grief.
My office handles thousands of claims a year. Thousands. We do this every day, I laid out how it works above, yet we have people suggesting surveyors, that women should not drive, maybe she was texting, perhaps get the lawyers and guns, small claims.
Good grief.
have you ever seen a case where an insured person's rate increases even though they were not at fault and no payout was made other than from the at fault's insurer? What would be the reason for that?
02-06-2019, 06:46 PM
#46
Junior Member
Join Date: Nov 2017
Location: TX
Posts: 25
Originally Posted by Avid 24
This would not typically be covered under homeowners. It is covered under the liability/property damage section of the drivers insurance. I would have the drivers insurance carrier Allstate handle it. At this point no need to involve any other parties. SOP would be they come and take a look at it and/or you provide estimates for repair or replacement whatever is needed and then go from there.
You could certainly file it with your own carrier, but that will be subject to whatever boat and trailer coverage you may or may not have and likely would involve you laying out your deductible and then seeking recovery via subrogation from the drivers coverage.
Full disclosure I am an insurance agent.
You could certainly file it with your own carrier, but that will be subject to whatever boat and trailer coverage you may or may not have and likely would involve you laying out your deductible and then seeking recovery via subrogation from the drivers coverage.
Full disclosure I am an insurance agent.
02-06-2019, 06:57 PM
#47
Admirals Club
Join Date: Aug 2013
Posts: 3,104
Originally Posted by Jim Beam
have you ever seen a case where an insured person's rate increases even though they were not at fault and no payout was made other than from the at fault's insurer? What would be the reason for that?
02-07-2019, 05:06 AM
#48
Senior Member
Join Date: Sep 2011
Location: Odessa, FL
Posts: 505
Originally Posted by JONOV
how will that help him get his boat fixed? The boat was parked. On a driveway. It isn’t as if anyone can claim it’s his fault.
02-07-2019, 05:28 AM
#50
Admirals Club
Join Date: Dec 2010
Location: Pompano Beach, FL
Posts: 11,746
Originally Posted by Schmaltz~Herring
BAD info, you need to file a claim against the other party/insurance. If you file a claim against yours you are subject to deductible and your premium will increase.
Anytime I've had accidents where another person was at fault, I've made the claim against their insurance company.
If you stick to your guns, and don't accept less than you deserve in compensation, you will be made whole.
This is what their liability coverage is for!
02-07-2019, 05:42 AM
#52
Senior Member
Join Date: Feb 2005
Location:
Posts: 636
Allstate is terrible. if the other insurance really gives u the run around then file your own insurance if u have it. Pay your deductible, have your boat fix. You will get your deductible back when the other insurance pays allstate back.. al lawyer with not get involvedin cases like this unless u want to personally pay the attorney.
02-07-2019, 05:44 AM
#53
Member
Thread Starter
Join Date: Sep 2014
Posts: 42
Here's the biggest kicker of this whole story. I bought a new truck last week and hate payments. This particular boat was about to get a good detail and hit the market so that I could pay the truck off. Unfortunately that appears to be put on hold until I can get this mess worked out. That new truck doesn't look near as pretty in the driveway now. I guess I should be thankful that no one was hurt and it's only money in the end. I'm sure many people wish this was the worst of their current headaches. I'll keep the faith and let things pan out. They normally do.
02-07-2019, 07:18 AM
#54
Senior Member
Join Date: Aug 2017
Posts: 488
Originally Posted by ToddR
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
02-07-2019, 07:20 AM
#55
Senior Member
Join Date: Aug 2017
Posts: 488
Originally Posted by Jus Teasin
This!!
Anytime I've had accidents where another person was at fault, I've made the claim against their insurance company.
If you stick to your guns, and don't accept less than you deserve in compensation, you will be made whole.
This is what their liability coverage is for!
Anytime I've had accidents where another person was at fault, I've made the claim against their insurance company.
If you stick to your guns, and don't accept less than you deserve in compensation, you will be made whole.
This is what their liability coverage is for!
This usually works on facebook!
02-07-2019, 01:51 PM
#57
Senior Member
Join Date: Dec 2010
Posts: 483
Originally Posted by Scupperz
I'm not a lawyer but... this is THT so: In many states it's against the law to text while driving. Proof of phone texting when the crash occurred is proof of crime committed when the boat was damaged. Even a ticket for the misdemeanor will suffice to substantiate guilt/culpability in a civil lawsuit against her for damages not covered by insurance.
02-07-2019, 04:55 PM
#59
Senior Member
Join Date: Oct 2006
Location: Miami,FL
Posts: 802
Originally Posted by Raybo Marine NY
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.
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.
Originally Posted by Avid 24
Rates go up for a lot of reasons that are unrelated to accidents, tickets, incidents, etc. Absolutely. Pricing tier changes, credit scoring, company filed rate increases in a territory, market conditions. We write with about 25 carriers across a number of states, rates change a lot. Here in NY rates we rarely see flat renewals.
02-07-2019, 05:07 PM
#60
Senior Member
Join Date: Sep 2004
Location: Massachusetts
Posts: 843
Originally Posted by erikh
Never said anything about filing a claim on your own policy. What I said was your insurance company works for you. Inform them of the incident, provide the insurance details of the person responsible. Let the companies hash it out.
Right on! If the guy’s insurance drags its feet, they may end up paying for the repairs minus whatever deductable the policy owner has.
