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Is anyone here connected?
If you feel like the insurance company is not doing the right thing,
there are a couple of things you could do. For one, you could engage, or threaten to engage, a private adjustor and let them take over negotiations. Thet get a cut but make their living by improving settlements enough to justify the expense. Another approach is to get a nearby boat dealer to estimate replacement cost and/or repair cost and use that as a lever. Usually the dealers have a lot of insurance negotiation experience as well. =============================================== On Sun, 27 Jul 2003 19:49:09 GMT, "Clams Canino" wrote: Heh... I just came back from the front yard, I went out to the boat cooler to get a beer sigh. My boat is now a true clam - it sits in the dirt and doesn't move at all. Anyway, I worked up a document for openers - here it is: Most of you guys followed the cronology of this crap and know I'm hardly embellishing at all. The Boat: 1988 Four Winns 160 Freedom approx 16.5 feet long. New seats, floor, carpet, and upholstery (including side panels) in spring of '02 New 4 speaker Pioneer sound system installed - summer of '02 110V AC converter installed - summer of '02 (for blender) New battery and automatic bilge pump installed - spring of '03 6 new cupholders installed (cut in) - summer of '03 Hull condition, excellent Interior excellent. Trailer condition - excellent , fresh water - minimal rust except for wheels. The Outboard: Custom Painted and chromed 1988 Mercury 150hp Inline New Morse controller and cables installed spring of '02 New wiring harness installed - spring of '02 Powerhead completely rebuilt and tricked out during off season between '02 and '03 Hours on motor since rebuild - 30 - 40 The Damage: Most fasteners (or the item they bolted to) broke loose on impact from inertia. Fuel tank - broken Battery compartment - broken Seats - broken Transom - broken (ie hull destroyed) Outer hull - seriously beaten up. Windshield supports - broken. Railing broken - from people getting boat "off car" Lower unit - broken SS propeller - bent Powertrim - seals blown Powerhead - unknown damage Trailer - destroyed If I could get out of this with the new 16' Starcraft hull and eat the outboard damage myself - It would surely be a "win" for me, considering what I do, but I don't know if they'd see it as a "win" for them etc.... -W (the unhappy clam) "Jim" wrote in message ... Clams, You might not be taking that much of a 'longshot' provided you go through the aduster. The insurance company may have the clout to help you go this route. Hopefully the adjuster that shows up has a clue about boats and can understand the actual condition of your boat 'pre-accident'. If you feel you're being low-balled by them, do your best to have them find you one in comparable condition since they are the ones that are attempting to determine the current worth of your boat. -Jim Clams Canino wrote: To a major manufacturer like Genmar , Four Winns - ect ?? I don't think I'll get enough fo rmy middle aged Four Winns (that was killed by a drunk driver while it was parked) to properly replace it, and would *seriously* consider buying a new hull (OB) without power or pre-rig or warantee or anything but seats, hardware and guages installed. I'd be willing to pick up at place of manufacture and tow it home to finish fitting out etc.... -W (taking a longshot) |