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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830435
07/16/18 08:52 PM
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Joined: Nov 2008
Posts: 6,187
coachallentca
TFF Celebrity
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TFF Celebrity
Joined: Nov 2008
Posts: 6,187 |
Go get a second estimate on the damage and send that to them and your insurance.. I have a set price with insurance for my boat. Things like graph and trolling motor is extra. My boat is a 1999 cobra.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830473
07/16/18 09:28 PM
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Joined: Apr 2009
Posts: 2,753
Outdoordude
Extreme Angler
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Extreme Angler
Joined: Apr 2009
Posts: 2,753 |
Well I got a call back today saying they wanna pay me 7,770 For my hull alone and 595 for the cost to transfer my outboard and accessories. I'm not gonna sign anything yet because theres no way in hell I'm gonna find a hull as nice as the one I've had for that money. Paid 10,500 cash 2 months ago for that boat. Feels like 3 hard years of saving is gone because some idiot on a jetski plowed into me. Did you negotiate an agreed-value for the hull when you set up your insurance policy? From a casual observer, 8,365 after deductibles to replace only the hull of a complete rig that you paid 10,500 total for sounds pretty reasonable.
Scott Jones
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Re: Insurance claim taking way too long
[Re: Outdoordude]
#12830558
07/16/18 11:17 PM
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Joined: Apr 2017
Posts: 12,238
tmd11111
TFF Guru
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TFF Guru
Joined: Apr 2017
Posts: 12,238 |
Well I got a call back today saying they wanna pay me 7,770 For my hull alone and 595 for the cost to transfer my outboard and accessories. I'm not gonna sign anything yet because theres no way in hell I'm gonna find a hull as nice as the one I've had for that money. Paid 10,500 cash 2 months ago for that boat. Feels like 3 hard years of saving is gone because some idiot on a jetski plowed into me. Did you negotiate an agreed-value for the hull when you set up your insurance policy? From a casual observer, 8,365 after deductibles to replace only the hull of a complete rig that you paid 10,500 total for sounds pretty reasonable. ^^^This^^^ Even wrecked you can probably get 4-5k for it. That would put you money ahead towards a nicer rig. Very rarely does someone come out ahead with an insurance claim. Yes it sucks to be in a accident and suffer a loss but sadly insurance companies don't pay out for sentimental value.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830567
07/16/18 11:24 PM
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Joined: Nov 2002
Posts: 5,054
BMCD
TFF Celebrity
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TFF Celebrity
Joined: Nov 2002
Posts: 5,054 |
Seems reasonable. U still got everything, trailer and motor. I understand it will be tuff to get a hull only. But u could find a hull and motor. And sell your extras at that point.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830648
07/17/18 12:34 AM
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Joined: Jan 2012
Posts: 1,433
Clark3
Extreme Angler
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Extreme Angler
Joined: Jan 2012
Posts: 1,433 |
Im guessing you dont have boat Insurance your self correct?
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830707
07/17/18 01:02 AM
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Joined: Jun 2013
Posts: 379
captain-kilroy
Angler
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Angler
Joined: Jun 2013
Posts: 379 |
I know your pain. My 11 month old zx 250 was rear ended two months ago. The insurance company for the person at fault told me they would do whatever it takes to make me happy. My insurance company is trying to cut corners. I really haven't figured that one out. I am still fighting to get the boat fixed like it was before the accident. They had some yahoo repair the skeg. Instead of replacing the whole skeg they welded in a 3x3 inch piece. Now the boat chine walks like crazy. I told them I wanted a new lower housing because I didn't have a repaired skeg when the accident happened. But, the fight continues.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12830781
07/17/18 01:46 AM
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Joined: Jul 2014
Posts: 4,342
Bobby Milam
TFF Team Angler
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TFF Team Angler
Joined: Jul 2014
Posts: 4,342 |
you said you paid 10k for a complete boat and they are offering over 7k for just the hull? What is the value of your motor and electronics? Sounds like a fair deal to me. The only thing that I would question is the cost to transfer the stuff. Would that amount cover it in real world prices? Take the cash, sell the motor, trailer and electronics and you should have more than you paid for the boat.
What kind of offer were you expecting?
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831495
07/17/18 05:25 PM
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Joined: Apr 2011
Posts: 405
SnK1993
OP
Angler
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OP
Angler
Joined: Apr 2011
Posts: 405 |
So after talking with the insurance provider I get the $8800 and get to keep the boat. I'm wondering if anybody would buy a fully functioning boat and 50 hp Yamaha fourstroke with a dent and crack on the side that could potentially be fixed.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831499
07/17/18 05:31 PM
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Joined: May 2003
Posts: 16,336
Chris B
TFF Guru
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TFF Guru
Joined: May 2003
Posts: 16,336 |
I'd beat that dent out and weld up the hole and enjoy my free boat.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831524
07/17/18 05:49 PM
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Joined: Apr 2011
Posts: 405
SnK1993
OP
Angler
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OP
Angler
Joined: Apr 2011
Posts: 405 |
Lol well I like to take pride in the way my stuff looks just who I am. Mostly my OCD. But I'm plenty of people wouldn't care
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831528
07/17/18 05:57 PM
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Joined: May 2002
Posts: 15,475
K.D.
TFF Guru
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TFF Guru
Joined: May 2002
Posts: 15,475 |
How much do you want for your totaled boat with the salvage title? Seems like if I give you $2k for it, you're $300 to the good on the deal.
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831538
07/17/18 06:05 PM
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Joined: Apr 2011
Posts: 405
SnK1993
OP
Angler
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OP
Angler
Joined: Apr 2011
Posts: 405 |
The outboard is worth About 4k
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Re: Insurance claim taking way too long
[Re: SnK1993]
#12831540
07/17/18 06:08 PM
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Joined: Jan 2012
Posts: 1,522
6BOOMER
Extreme Angler
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Extreme Angler
Joined: Jan 2012
Posts: 1,522 |
A good body man can work it close to perfect.
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Re: Insurance claim taking way too long
[Re: Chris B]
#12831543
07/17/18 06:08 PM
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Joined: Jan 2004
Posts: 72,559
Mark Perry
Super Freak
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Super Freak
Joined: Jan 2004
Posts: 72,559 |
I'd beat that dent out and weld up the hole and enjoy my free boat. Yep.
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Re: Insurance claim taking way too long
[Re: Chris B]
#12831563
07/17/18 06:24 PM
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Joined: Jul 2014
Posts: 4,342
Bobby Milam
TFF Team Angler
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TFF Team Angler
Joined: Jul 2014
Posts: 4,342 |
I'd beat that dent out and weld up the hole and enjoy my free boat. Yep. Fish dont care what it looks like. The worst time I had fishing was with a new boat because you worry about every scratch. Best time was with an old beater that I could go anywhere in and just enjoy fishing not trying to keep it in show condition.
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