So my deal is that I hit a stump and bent my peop the shaft and messed up the gear caseing and then within about fourty feet my power head went poof! So my main agent is a really good guy it's his boss who is a B !!! I've had two inspections done and they still aren't answering any of my questions. I sent her a list concerning the second report today and I got a call informing me that they will not be sending my questions to the inspectors. The guys at west boats are a load of help and j would recomend them to anyone!

Well said!

Hi Cypress Skeeter,

First of all let me say I'm glad nobody was injured. Second, did your policy include collision coverage? Since you stated you got the best policy, you probably did. I would do some google searches on "dispute boat insurance with carrier" to find general information on how to approach this type of thing; I'm sure people get denied all the time and are talking about how to deal with such a dispute. I did some searches for you and found several law firms right away that specialize in exactly this area. Find one in your geographical location and ask for a free consultation. A serious sounding letter from a law firm may only cost you a few hundred in order to get your carrier to cough up the money. Make a few calls and find out.

Next going forward, don't give a carrier you feel burned by another cent. You'll have to find a new insurance carrier. Check out policydog.com where you can buy boat insurance online. You can get an instant quote and if you like the price, buy right there, or use that quote to shop around.

Good luck!

Chris

Chris,

From previous posts on insurance. It appears people have got themselves into a bad situation, because of purchasing insurance from the internet. They did not get the coverage they needed and was also without agent representation. Also, I do not know to many law firms that will just send a threatening letter to a insurance company or to anyone for that matter. If someone is prepared to send a threatening letter, you should be ready to follow it up with action. I will never buy insurance without speaking with an Agent..... JMHO..

I had a claim with Nationwide were my 84 Skeeter was rearended by a little old lady, and got the same excuse about the transom already having been wet. So, to me they were trying to get out of paying when thier client hit me. Just stick to your guns and get a lawyer if you have to.

I dont know bob , bit now I want to work with him.

thanks guys

I have a 1993 Javelin, I have had Progressive since 1998. I had something in the engine break only allowing the boat to go forward, I ran it on some rocks, Progressive paid the $4k to get the bottom fiberglass fixed. Running across Amistad at 60, trolling motor went into the water, snapped the mount, Progressive bought new trolling motor. Last, spun a trailer wheel bearing at Choke, Progressive towed the boat from Three Rivers to San Antonio. After all of this, my premium has gone down. I have nothing but good things to say about them, and recommend them to my friends. Sorry some of you haven't had such good luck.

Guys,
Let me start by saying I have owned and operated a body shop for over 25 years. I would never buy any kind of insurance over the internet! I want to talk to the agent face to face. I have State Farm. They are one of the best companies I work with. Progressive is one of the worst! There are other good and bad ones, but those are the two we are discussing here.
A few months ago I damaged my Champion. I called State Farm to make the claim. They told me they would send out the adjuster. I know from personal experience I want the guy who is going to fix it to write the estimate. I told them I would rather do it that way. They agreed. I took it to the fiberglass shop and faxed the estimate to State Farm. In less than a week I got a check minus my deductible. The check was over $4300! That is how insurance should work, period. No bull about wet fiberglass, etc. They paid what the man wanted to fix my boat correctly. Cheap insurance can be very expensive. You get what you pay for. Get good insurance and get to know your agent. They will help you out. That is their job. If you buy insurance over the internet, maybe you can get your computer to help you! Just my two cents.

I have Progressive and filed my first claim last year. I was getting the boat up on plane and hit a floater. It gnarled my prop and bent the prop shaft. Progressive paid the claim and I thought all was well. I just got my renewal and my premium went from $350 to $525. I'm not very happy about that and will look for another insurance company.

greg- call Karen at state farm.. my rates never went up with the 11K stump damage.... shes gooder than gold and a perfect agent to have here locally.

I would look somewhere else also.

WHY did you leave State farm for progress to start with????????????? I'm guessing progress was cheaper then,or lower deduction.

i am with american casualty now. cheaper with better insurance thatnks bob

VetteRprMan could not have said it better, DONT EVER BUY INSURANCE OVER THE INTERNET!!!! Especially Progressive!

I am getting totally bent over right now on a damaged Skeeter ZX225 that Progressive won't help me get repaired. PM me if you want to hear my sob story.

PLEASE read your policy or you will become a victim like me!!!

Need an agent on insurance. Nothing against the internet, but a layman can not know all the possible scenarios that can happen. My wife has been an agent for 25 years and some of the stories I've heard would make you ? mankind. Ek you not only have to read your policy, but have the agent explain anything you have a question about. Most if not all are written in legal language.

this is EXACTLY why i tell folks to go to state farm with a good agent like mine, Karen. I get nothing, and I pay full price on my insurance! so there's no bonus for me helping yall out, other than being an avid angling brother

I got sued by progressive for a wreck I was never in! Took 3 years of cr@p to clear that mess up. Thanks to Allstate for helping me!

Was reading your problem and I'm the father of Beast from the East. I've been in the insurance business for over 20 years now, representing one of the nations largest companies. I'm leaving off the name to not make you think I'm trying to promote business. Here's my suggestion. First, go back to skeeter, have them on their letterhead type you a statement that they have inspected your damage and in their professional opinion, the damage is solely from the boat colliding with a fixed object and not from any deterioration or defects relating to age, care, or defects from the manufacturer. Present this statement to the Progressive adjuster and tell him that you wish to meet with him and the boat dealer at the dealership so that he can explain his position to the Skeeter people. That Skeeter is telling you one thing, and Progressive is telling you another, and that you are a customer to both and wish to be treated fairly. That you will have the boat at the dealership so that he can take another look. ( be nice but firm and give him a chance to correct himself)...if this is unsuccessful, simply call the State Board of Insurance of the State in which you live. Have your policy handy and tell them your problem. They will act on your behalf and assign a person to look into the matter. Matter of fact, you might just want to tell your adjuster that since Skeeter is telling you one thing and Progressive another, that your going to contact the State Board of Insurance and see who is right. Bet Ya a Red Soda Pop it get's paid if it's damage which should be covered by your policy. Let me know the outcome if you take my advice. (Metrozz@aol.com) Lastly, get out of the junkyard for your insurance needs.

One other bit of info while we are on this subject. Threating a insurance company with a law suit doesn't scare them one bit. Insurance companies are parties to law suits on a hourly basis. In fact most every company has their own legal dept.

Now, Want to make them sit up and really pay attention, contact the State Board of Insurance Consumer Complaint Dept. It's the State Board of Insurance that sets the bench mark rates for what insurance companies can charge... it even determines which companies operate within the State and when they can raise rates. Now which is more powerful, your local attorney or the State Board? Trust me, insurance companies do not like to hear anything adverse from the State Board in the form of consumer complaints for unfair business practices. Insurance companies must respond to any and all complaints. Once a complaint is reported, a person is assigned to it by the board to see if the consumer has been treated fairly. Best of all, it's free to the consumer and only takes a phone call. The public just doesn't know about it. Kind of like that phone number on the back of your Texas drivers license in very small print above the bar code. If your a stranded motorist and need help. You call the number and they are coming for you. All paid by tax dollars...but they sure don't seem to want you to know about it...do they?? You guys take care.

I went to Progressive here in Wichita Falls and they would not give me an estimate untill I gave them a Credit Card number..whats up with that..(of course i just walked out)

I am surprised, I have had great service from Progressive.

kingdad.. call Karen... its easy...

I’ve been reading all this about insurance problems and have to say I was sick after reading it. Sunday I was loading my boat on the trailer and a bunk board broke causing keel damage. I called the Progressive Insurance and started my claim. The lady was very nice and pleasant to talk with. She said an adjuster would be in touch with me in two hours. About an hour and a half later I got a call from the adjusted who said he would meet with me to look at my boat. The next day he was there when he said he would be, looked at the damage and took some photographs and said he could write me a check right then or send it to me in the mail. He recommended a shop to take it to have the repairs done and even called there to make sure that they would be able to get to it soon and that he was right on the amount. When I told him how skeptical I was about even calling due to what I have read on here, he said that boats are the hot item to intentionally damage to get insurance to pay it off so you don’t have to make payments on it anymore. I got a call from him at noon and he said he had called the repair shop today just to check on my boat and when it would be ready. I can’t say enough good things about Progressive.

Ronnie..I have State Farm, and never had a problem..house,CARS..boat. I just thought I would get a quote to keep them on the ball. To be fair, they have several Agents here and I went to the closet one to me. Man what a dump.not clean and they have several insurance names stuck on the walls..??.kids running every where..two people "working" who didn't seems to care. Seemed like it was a Govn welfair agency..
Not a good experence..