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Started By
Message
boat insurance question
Posted on 2/8/15 at 10:10 pm
Posted on 2/8/15 at 10:10 pm
my son's boat got drilled at a stop light in b'ham today. broke motor toter, trim tab and bent rear trailer crossbar in about 4 inches. his trailer lights were on. not able to tell about internal damage to the lower unit.
police report was filed. the girl admitted fault. my question is, what does my son need to do as far as assessing damage to motor. take it to a repair shop? launch somewhere and see if it runs? wait for adjuster to see the damage?
thanks for replies!
police report was filed. the girl admitted fault. my question is, what does my son need to do as far as assessing damage to motor. take it to a repair shop? launch somewhere and see if it runs? wait for adjuster to see the damage?
thanks for replies!
Posted on 2/8/15 at 10:12 pm to Kashmir
Wait for adjuster , see what they say, then bring to mechanic of your choice and see what they say
Posted on 2/8/15 at 10:15 pm to Tigerpaw123
quote:
Wait for adjuster , see what they say, then bring to mechanic of your choice and see what they say
agreed...
motors are actually made out of some pretty delicate shite...should be easy to tell if there is damage, as oil will typically leak out...
Posted on 2/8/15 at 10:37 pm to Kashmir
quote:
wait for adjuster to see the damage?
The problem with this is they probably wouldn't know if any internal damage has been done.
I'd take it to a mechanic first
Posted on 2/8/15 at 10:40 pm to Kashmir
Get the police report. Find out the address of the person who hit the boat. Get some guys together with some boards and pay a little visit.
Posted on 2/9/15 at 6:01 am to Kashmir
I'd have the adjuster go to the mechanic shop. The mechanic can show adjuster things that the adjuster may have overlooked.
Posted on 2/9/15 at 6:37 am to jorconalx
quote:
wait for adjuster
If you are really concerned, call your insurance agency, talk to the claims department, make them aware of your concerns, and they will likely advise you on what to do.
I'd say wait for the adjuster, talk to them when they are inspecting the boat/trailer and let them know your worries about the lower unit, and then take it to a mechanic.
Obviously, they are still liable if the mechanic finds damage to the engine...you will just have to document it a little more thoroughly.
Sucks to hear about that situation, good luck!
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