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Boat damaged in driveway

Old 02-06-2019, 07:10 PM
  #41  
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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.
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Old 02-06-2019, 07:11 PM
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Is the parents lawn OK?
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Old 02-06-2019, 07:12 PM
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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.
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Old 02-06-2019, 07:24 PM
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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.
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Old 02-06-2019, 07:35 PM
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Originally Posted by Avid 24 View Post
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.

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?
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Old 02-06-2019, 07:46 PM
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Originally Posted by Avid 24 View Post
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 have which out for limits on the policy under the property damage.
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Old 02-06-2019, 07:57 PM
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Originally Posted by Jim Beam View Post



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?
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.
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Old 02-07-2019, 06:06 AM
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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 isn’t as if anyone can claim it’s his fault.
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.
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Old 02-07-2019, 06:16 AM
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Call a lawyer and sue her insurance. Tell them when you got the call you jumped up out of your seat so fast in disgust that you got whiplash.
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Old 02-07-2019, 06:28 AM
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Originally Posted by Schmaltz~Herring View Post
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.
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!
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Old 02-07-2019, 06:36 AM
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So OP can you please give us an update? What are the estimates? Have you had a pro look everything over? You will likely need to deal with a trailer shop for the trailer and a yard for the boat...
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Old 02-07-2019, 06:42 AM
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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.
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Old 02-07-2019, 06:44 AM
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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.
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Old 02-07-2019, 08:18 AM
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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
‘Smallstate’ is notoriously difficult. Try to settle with them but if unsuccessful file with your company and let them. I know them well. The rub is going to be the depreciation on your trailer.
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Old 02-07-2019, 08:20 AM
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Originally Posted by Jus Teasin View Post
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!
Allstate is the absolute worst. I have dozens of ‘Smallstate’ stories. A couple my own. Good luck.
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Old 02-07-2019, 08:42 AM
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Prayers for everyone! This usually works on facebook!
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Old 02-07-2019, 02:51 PM
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Originally Posted by Scupperz View Post
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.
If the driver is considered criminally at fault, isn't that an out for the insurance company?
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Old 02-07-2019, 05:37 PM
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File against her carrier, you may want to tell them too that you will file a loss of use claim. Maybe you need to start renting a boat....at $xxx a day til yours is repaired or you are made whole. Tell them to pony up!
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Old 02-07-2019, 05:55 PM
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Originally Posted by Raybo Marine NY View Post
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.
Originally Posted by Avid 24 View Post

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.
I find it hard to believe that after 3 claims your insurance has stayed the same. According to Avid he rarely sees flat renewals. I am always changing companies because I NEVER get the same or lower rate. Every year its the same song and dance when I call them. Oh rates went up, your paying for uninsured drivers, your city had alot of claims, your truck can cause more damage than a car and so on. I have been accident free and ticket free for as long as I can remember and never have a decrease in insurance. If not at fault accidents, dismissed tickets or anything not your fault then why do they always as if you have had any in the last 5 years? I dont see a insurance company handling hundreds or thousand of not at fault claims free of charge. I also find it hard to believe that none of your claims come up since they have for my wife's not at fault accidents. But hey more power to you for having the good fortune to be so lucky and not having a rate increase.
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Old 02-07-2019, 06:07 PM
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Originally Posted by erikh View Post
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.
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