I have BOATUS insurance and recently was invovled in an accident the my
insurance company (BoatUS) told me that they would not pay for the entire
cost of repairs becuase some was due to wear and tear, eventhough i would
not have had it repaired if it wasn't for the accident. Basically a spring
broke and in order to repair it they had to replace the others becuase it
was unsafe to repair just one. They sent out a marine surveyor and after
that I recieved a check for 1/4 of the repair amount.. Basically my
question is has anyone had the similar situation? Or, is there a way to
complain and/or talk with someone higher about the claim / settlement??? If
so, how should i approach the situation??? any help is apprecaited... this
is my first accident and encounter with the insurance company.

Thanks!!