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Totaled boat #13899935 02/24/21 03:15 AM
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BPbassp Offline OP
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How do you guys think this incident will be handled?

A good friend of mine took his boat to a very reputable boat shop to have a lower unit replaced. Owner struck an object and tore up the unit and insurance approved a claim. The dealer replaced the LU and one of the mechanics took it out on the water for a test run. The owner arrived at the dealership and was told his boat was being tested and would be back shortly. He then noticed an employee get a call and he sounded like it had hit the fan somewhere . The employee was seen loading a bunch of straps and lines into his truck and he took off in a hurry. The owner became suspicious that something had happened to his boat so he drove to the ramp only to discover his boat upside down being towed towards the ramp. The boat sustained extensive damage and will probably end up being a total loss. This boat is one of those really, really ,fast ones. Owner recently traded in his optimax 250 2 stroke and replaced it with a new 300 4 stroke

Do you think the dealer is obligated to replace the customers boat?
Anyone with any experience with this kind of situation?
Or will the owner have to rely on his own insurance?

Moritz Chevrolet - 9101 Camp Bowie W Blvd, Fort Worth, TX - Monte Coon (817) 696-2003
Re: Totaled boat [Re: BPbassp] #13899937 02/24/21 03:17 AM
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SteezMacQueen Online Happy
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It will likely take both parties to cover the total replacement.


Eat. Sleep. Fish.
Re: Totaled boat [Re: BPbassp] #13899943 02/24/21 03:21 AM
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coachallentca Online Content
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owner should have insurance



Re: Totaled boat [Re: BPbassp] #13899955 02/24/21 03:32 AM
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grout-scout Online Content
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So it’s a really, really fast one, guess it’s a Ranger? peep

Re: Totaled boat [Re: BPbassp] #13899958 02/24/21 03:35 AM
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SC-001 Online Content
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eeks

Re: Totaled boat [Re: coachallentca] #13899962 02/24/21 03:37 AM
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Originally Posted by coachallentca
owner should have insurance

Depends on insurance company, it they know someone other than owner was driving may not be covered. This may be a lawyer up situation.

Re: Totaled boat [Re: BPbassp] #13899963 02/24/21 03:37 AM
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PowerLizard Offline
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The boat shop’s insurance should cover the loss.
The boat owner should get a check.

Re: Totaled boat [Re: BPbassp] #13899964 02/24/21 03:38 AM
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mhall1986 Online Content
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I want to see the video. This day and age, someone had bound to have caught it on their phone.

Re: Totaled boat [Re: BPbassp] #13899968 02/24/21 03:42 AM
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SC-001 Online Content
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grin

Re: Totaled boat [Re: SC-001] #13899976 02/24/21 03:54 AM
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JackMason Online Happy
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Originally Posted by SC-001
grin


Holy chit!!!!

Re: Totaled boat [Re: BPbassp] #13899977 02/24/21 03:56 AM
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Duke 22 Online Content
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Should be akin to garage keepers liability. The shops insurance should cover it. confused 3

Re: Totaled boat [Re: BPbassp] #13899986 02/24/21 04:14 AM
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whip


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Re: Totaled boat [Re: BPbassp] #13899989 02/24/21 04:17 AM
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mudd Offline
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We would cover it out of pocket or insurance at work. But I really wanna know what kind of boat this is more then anything


93 Ranger 482vs
95 Bullet 20cc


Re: Totaled boat [Re: BPbassp] #13900114 02/24/21 12:21 PM
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361V Offline
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Not an insurance expert but sounds like another claim on his insurance to me. While it’s an odd story for sure this is the reason we pay for and carry insurance in the 1st place. It is for the “unexpected”. If the insurance company wants to recoup/share/defer expenses(and they will) they can go after the dealer and his insurance company.

Re: Totaled boat [Re: BPbassp] #13900119 02/24/21 12:27 PM
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old bob Offline
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The shops insurance is primary and the owners insurance is secondary. If the shops insurance does not step up then the owner needs to file a claim with his company. They will then take care of the insured and subrograte the shops company to recover the amount that they pay out and the owners deductible.
rd

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