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Boat damaged in driveway

Old 02-07-2019, 05:23 PM
  #61  
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Originally Posted by Greene Machine View Post
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!
Not a bad idea to threaten that if they are dragging their feet
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Old 02-07-2019, 05:31 PM
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Well,you are going to have to replace the trailer anyways,so why not start there and have the boat at least mobile.Maybe take it to a surveyor or estimator for a ballpark idea of damages.You will get paid eventually,but they will probably be well into the boating season.You don't have to take their first offer,but eventually they have to settle with you.
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Old 02-07-2019, 06:03 PM
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Originally Posted by Greene Machine View Post
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!
Unless you use your boat to get to work, or for your work and you are losing income due to loss of use this is a no. In the business for 25 years, handled plenty of loss of use claims, but never for loss of use of a recreational vehicle...
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Old 02-07-2019, 06:26 PM
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Originally Posted by ToddR View Post
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.
maybe at the end of this they’ll cut you a check and you’ll save the effort to get her waxed and purdy. Start looking for really really nice comps lol.
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Old 02-07-2019, 06:35 PM
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An advantage of filing the report with your insurance company is that they know that they'll be able to recover everything they pay from her insurance company. So, they'll pay you all sorts of stuff to make/keep you happy, and then recover it from her company.
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Old 02-07-2019, 07:01 PM
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Originally Posted by rickpcfl View Post
An advantage of filing the report with your insurance company is that they know that they'll be able to recover everything they pay from her insurance company. So, they'll pay you all sorts of stuff to make/keep you happy, and then recover it from her company.
Please do elaborate
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Old 02-07-2019, 07:34 PM
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Originally Posted by mystery View Post
Please do elaborate
subrogation. Do some research on this site before you ask a question that's already been asked.
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Old 02-07-2019, 08:06 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?
Years ago I had been a customer of an insurance for many years without any claims or payouts. I got cancelled because basically I hadn't had an accident for many years, so statistically I was due for an accident and they wanted out before an accident occurred. Seems it is legal for them to do that.
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Old 02-07-2019, 08:38 PM
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Originally Posted by Jim Beam View Post


subrogation. Do some research on this site before you ask a question that's already been asked.
what is "all sorts of stuff"

Why would one's own insurance company go out of their way to make their policy goldho happy and pay them ?

​​​​
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Old 02-08-2019, 03:25 AM
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Originally Posted by ToddR View Post
Should I call twice a day? Help help!!
I would - the squeakiest wheel always gets oiled first.
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Old 02-08-2019, 06:53 AM
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Originally Posted by Jim Beam View Post


subrogation. Do some research on this site before you ask a question that's already been asked.
Nobody?? Come on, it's a softball ;-)
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Old 02-12-2019, 05:08 AM
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Th last thing you need to do is get a lawyer. If you hire an attorney, he or she will end up with between 30 and 45 percent of any award, plus their expenses, which come out of your payment from the insurance company. ( I know because I am one, and a retired Judge). File the claim with her carrier. Get the boat to a good repair shop for an estimate to repair the damages. You didn't say what size and kind of boat it is, but if you are concerned about hidden damage, a survey would not be a bad idea. You can easily find the cost of a new trailer. With those figures in hand, you can tell how fair the insurance carrier's offer will be. If you have the figures before the adjuster gets to you, it will make dealing with him easier. Then if all else fails, file a claim against your own policy, and let your carrier fight it out with Allstate. Lawyer is the last resort. Just remember the percentage they get off the top.
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Old 02-12-2019, 05:20 AM
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If your bow eye is bent and your boat is sitting sideways, you could very easily have stringer damage, which could actually total the boat.
I found this out years ago after my boat was badly damaged, repaired and case settled......then we found the stringer damage. I was screwed at that point.

If you have full replacement value with your insurance, you would probably need to get them involved as the other party will most likely not give you full value.

Good luck, its a crappy deal for all involved....unless..... you have full replacement value......NEW BOAT!!!

BTW, If anyone does not have full replacement value....GET IT !!! My boat was stolen a few years back, and I had no idea I even had it and they sent a check to me for full value in less than three weeks.
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Old 02-12-2019, 05:21 AM
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Originally Posted by silver01 View Post
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.

my insurance guy switches my companies to get me better rates, swaps me between the same 2 companies at renewal time. Stupid system but thats the game they play. I have said time and time again on this forum there is no benefit to staying with the same insurance company you are just a file number to them now. You need a good relationship with your broker and allow them to work for you.

So when I say no change in premium I should really specify that I did not get charged for the accident. It will show up on your declaration page as an accident/violation surcharge percentage so its pretty easy to spot its not something they just sneak on in there. It also shows up on whats called a CLUE report, so long as that company subscribes and reports to them which they all pretty much do.
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Old 02-12-2019, 05:48 AM
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Originally Posted by Hjudge49 View Post
Th last thing you need to do is get a lawyer. If you hire an attorney, he or she will end up with between 30 and 45 percent of any award, plus their expenses, which come out of your payment from the insurance company.
First, I agree there is zero reason to involve an attorney, ZERO, this is such an easy open and shut case as of right now

but I do have to comment...30-45% plus expenses?! holy moly... I have never seen a lawyer charge more than 35% on contingency and I have seen most wrap their expenses into that... of course one is open to negotiation so it could end up higher or lower but 40-45% sounds crazy and is not the norm but I am sure some lawyers will try to milk things. Further, i probably would not pay a lawyer contingency for what amounts to a demand letter and a few hours of work. I would pay hourly. If it were a personal injury or claim for damages, contingency may make more sense...
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Old 02-12-2019, 05:49 AM
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Originally Posted by Raybo Marine NY View Post
my insurance guy switches my companies to get me better rates, swaps me between the same 2 companies at renewal time. Stupid system but thats the game they play. I have said time and time again on this forum there is no benefit to staying with the same insurance company you are just a file number to them now. You need a good relationship with your broker and allow them to work for you.

So when I say no change in premium I should really specify that I did not get charged for the accident. It will show up on your declaration page as an accident/violation surcharge percentage so its pretty easy to spot its not something they just sneak on in there. It also shows up on whats called a CLUE report, so long as that company subscribes and reports to them which they all pretty much do.
Some times you dont even have to swap between two companies at renewal time, you can just get a new policy written at the same company you are already at
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Old 02-12-2019, 05:50 AM
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OP any update? Have you gotten estimates? Surveyor? etc
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Old 02-12-2019, 05:57 AM
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Burn the boat. File a claim. It’s your only hope at this point.
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Old 02-12-2019, 06:01 AM
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Originally Posted by SHE GONE View Post
Women shouldn't be allowed to drive

And ignorant misogamists shouldn't be allowed to post. But at least it only took you 60 posts to make clear where you screen name came from.
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Old 02-12-2019, 06:27 AM
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Just curious since this wasn't in the water damage... will the OP be required to file this with the coast guard if it is over $2,000 in damage? I am thinking no... but..

Also, for auto insurance in Florida (no fault state) you must file through your provider regardless who was at fault and they recover losses from the charged party. Due to murphy, I will not call and ask if this is different for my boat...
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