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Boat damaged in driveway

Old 02-06-2019, 12:22 PM
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Default Boat damaged in driveway

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
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Old 02-06-2019, 12:30 PM
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Your insurance company works for you. Have them fight over it, thats their job.
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Old 02-06-2019, 12:32 PM
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Originally Posted by erikh View Post
Your insurance company works for you. Have them fight over it, thats their job.
What he says above plus a good surveyor.
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Old 02-06-2019, 12:32 PM
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Sounds like a wild accident, at least she left her info. Pics of the aftermath? As long as she isn't being a shady shitbag you shouldn't need to involve your insurance at all.
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Old 02-06-2019, 12:33 PM
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wouldnt you have a claim with your parents home owners??? Let them chase down All State. I know it sounds cold, but...it shouldn't really effect them
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Old 02-06-2019, 12:35 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
pic of damage?
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Old 02-06-2019, 12:35 PM
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She left you a gift.
Get your shit repaird and have them pay. Simple
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Old 02-06-2019, 12:35 PM
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Originally Posted by erikh View Post
Your insurance company works for you. Have them fight over it, thats their job.
Unfortunately, there aren't many agents who believe this anymore.
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Old 02-06-2019, 12:47 PM
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Originally Posted by notsluggo View Post
wouldnt you have a claim with your parents home owners??? Let them chase down All State. I know it sounds cold, but...it shouldn't really effect them
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.
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Old 02-06-2019, 12:56 PM
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my experience is that the agent and carrier adopt a "wait and see" attitude when it's clear that someone else is at fault and that person's insurance is on the hook. After a week of sitting around waiting for the insured's adjuster to come by, I called my carrier and made an official claim, which was on the record (recorded call), where I directly stated that I was not at fault and that this was confirmed by LEO. From that point, my insurance company had to put people on it and deal directly with the other insurance company. Car was in the shop a week later. Get your carrier involved - they count on people like you to do nothing. If you are not at fault, you should get your deductible back.
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Old 02-06-2019, 12:57 PM
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Originally Posted by erikh View Post
Your insurance company works for you. Have them fight over it, thats their job.
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.
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Old 02-06-2019, 12:58 PM
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Photo of driver ?
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Old 02-06-2019, 01:02 PM
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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.
not if he's not at fault, which seems clear.
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Old 02-06-2019, 01:02 PM
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Originally Posted by dnd View Post
Photo of driver ?


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Old 02-06-2019, 01:43 PM
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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!!
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Old 02-06-2019, 01:45 PM
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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.
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.
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Old 02-06-2019, 01:54 PM
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strap yourself in for a good ole' fashioned screwing, exact same situation here with exact same insurance company
difference is my customer didnt have insurance on his boat, at least you have that going for you

its not bad to file with your company they will go after them for the money ( subrogation ) you will not be responsible and wont see a rate increase
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Old 02-06-2019, 02:04 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!!
I might pay for my own survey/independent adjuster? So you have your own info. What’s the equivalent of a boat body shop that could do an estimate?

also, try and find what your boat and trailer are worth. Harder with some boats than others.
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Old 02-06-2019, 02:42 PM
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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, 02:51 PM
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I went back & forth with Progressive when one of their insured hit my wife’s parked car & left scene. They didn’t want to pay for rental & put us off at every turn. Finally I filed claim with my carrier, had car repair & rental covered, I paid the deductible. Once my carrier recovered my deductible from Progressive thru subrogation, they sent me reimbursement.
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