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Claiming insurance on a motor
#11385361
02/02/16 04:16 AM
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Joined: Oct 2007
Posts: 912
chadcox
OP
Pro Angler
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OP
Pro Angler
Joined: Oct 2007
Posts: 912 |
Dropped my boat off at the shop last week to have the motor checked out because it seemed like the top end had kinda faded away, turns out my #6 cylinder has about half the compression the rest of the motor does. Taking to my mechanic I told him I thought it was just a prop issue from when I hit something but that I had tried a few and no real big change. I told him I couldn't afford a power head right now and said if he would put it back together I'd come pick it up. He suggested talking to my insurance, that if I hit something it could have jarred things enough to mess up that cylinder. Anyway has anyone ever tried to claim insurance for something like that? Seems like a long shot, but I can afford my deductible, can't afford a power head.
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Re: Claiming insurance on a motor
[Re: chadcox]
#11385499
02/02/16 09:27 AM
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Joined: Feb 2015
Posts: 4,724
Flippin-Out
TFF Team Angler
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TFF Team Angler
Joined: Feb 2015
Posts: 4,724 |
Not being able to afford the powerhead doesn't make it right if there really isn't any expectation that one caused the other, and I would think that's a REAL long tale to follow. Comes to mind: why would only 1 cylinder at the top be affected?
Loss policies are not mechanical failure policies....you should have also been carrying an extended service plan on the motor if you wanted such protection.
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Re: Claiming insurance on a motor
[Re: chadcox]
#11418209
02/16/16 09:41 PM
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Joined: Apr 2011
Posts: 428
crawdaddct
Angler
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Angler
Joined: Apr 2011
Posts: 428 |
All you can do is ask. I had a lady tbone my truck. She ran a redlight. My heater core sprang a leak. Insurance said it wasn't covered, because she hit me in the side. Took a long time and a lot of talking, but finally got it fixed. Proving that hitting a stump messed up your rings or valves is definitely a long shot.
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Re: Claiming insurance on a motor
[Re: chadcox]
#11418468
02/16/16 11:38 PM
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Joined: Jan 2009
Posts: 185
Insurancepro
Outdoorsman
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Outdoorsman
Joined: Jan 2009
Posts: 185 |
First off what year is your motor and who is your insurance carrier. I may be able to help walk you through this. Feel free to give me a call on my cell. Thanks Bob Luellen 517-256-0734
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Re: Claiming insurance on a motor
[Re: chadcox]
#11466240
03/09/16 07:55 PM
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Joined: Nov 2002
Posts: 4,439
Gamblinman
TFF Team Angler
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TFF Team Angler
Joined: Nov 2002
Posts: 4,439 |
Not an insurance issue for one cylinder down. They will deny the claim.
Have the one cylinder repaired. It can be done without a complete overhaul of the powerhead. Not the best, but it will get you back on the water so you can save the money for a proper powerhead rebuild.
Gman
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