Old woman destroyed my boat.

[Bender]

I’m in mourning. My paid in full perfectly fine ski boat sitting on the street in front of my house minding it’s own business gets plowed by a geriatric who hit my neighbors utility trailer and pushing it into my boat at 35 mph.... putting a nice 14” hole in the side of my boat.....

I don’t think her insurance will pay what the boat would actually sell for, probably just a bullshit “bLuE bOoK vALuE”

She gets out and says, “maybe I shouldn’t be driving”


Glad it took destruction of property to figure that out, Captain Obvious.

Rip my little boat...☹

 

[1J04]

Sorry Brother. Hope it works out in your favor!

 

[Threadcutter308]

I’m in mourning. My paid in full perfectly fine ski boat sitting on the street in front of my house minding it’s own business gets plowed by a geriatric who hit my neighbors utility trailer and pushing it into my boat at 35 mph.... putting a nice 14” hole in the side of my boat.....

I don’t think her insurance will pay what the boat would actually sell for, probably just a bullshit “bLuE bOoK vALuE”

She gets out and says, “maybe I shouldn’t be driving”


Glad it took destruction of property to figure that out, Captain Obvious.

Rip my little boat...☹

View attachment 7081687View attachment 7081688View attachment 7081689

That’s the shits.......She didn’t even have the decency to do it in the fall....

 

[diverdon]

Ouch. How old is the boat? If it is fairly new consider taking it back to the dealer and making a deal to trade it for exactly the same thing, then sue for the difference.

 

[Dewey7271]

Damn @Bender. That sucks.
Nothing a good glas guy could fix?
And you’re probably correct, insurance company is going to go with blue book or actual cash value.
Sorry man!

 

[ArmyJerry]

 

[Huskydriver]

Had a similar experience. Other ins company inital offer was one of the most insulting lowballs I have ever had. I simply replied to other guys insurance agent 10 private listings for my same make and model selling 15% or so above blue book value and about 30% more than their offer and asked if they would like to do this without attorneys...I got another offer the next day for the fair market value so who knows you might luck out

 

[StealthOwl]

 

[Bender]

Ouch. How old is the boat? If it is fairly new consider taking it back to the dealer and making a deal to trade it for exactly the same thing, then sue for the difference.

Old AF. It’s a 96 but was in excellent shape. Probably still $5500 around here. BB is like $3k

Fugg.

 

[cornhusker86]

Sorry to hear this Bender. Hopefully the pendulum swings back the other way and some good fortune comes your way.

 

[Centuriator]

Oh man....that totally sucks. Beautiful boat.

 

[Sean the Nailer]

Stand your ground, show pictures of condition, family use, and maintenance. DON'T take their first offer, and fight for what is right. I've battled with insurance companies before, and there IS wiggle-room with the correct arguement. Nail them into an honest corner, and there's no holding you back!

 

[TheGerman]

Find any receipts for any upgrades you've done. Find listings for the same/similiar boats locally and get a feel for real FMV. Is there damage to your boat trailer, house, curb, yard, the van Gough painting you had laying in your driveway?

There is a 99% chance their insurance will lowball you. Know what its worth and stick to it. Feel free to say no a bunch of times as insurance isn't actually used to that. Also factor in the 'how is this my problem?' value.

At that point, a $100 letter from a lawyer's office outlining the value and how you're not playing their bullshit game would also move things along.

 

[Alphatreedog]

 

[Alphatreedog]

Man I hope you get what you need outta settlement . Good luck .

 

[Veer_G]

 

[W54/XM-388]

As mentioned above, get a lawyer and stick with it.
If you play nice you will get screwed.
Find a lawyer who is willing to let them have it with both barrels and you'll probably get everything your boat is worth, plus his fee, plus compensation for your time and trouble.

 

[Maggot]

Had a similar experience. Other ins company inital offer was one of the most insulting lowballs I have ever had. I simply replied to other guys insurance agent 10 private listings for my same make and model selling 15% or so above blue book value and about 30% more than their offer and asked if they would like to do this without attorneys...I got another offer the next day for the fair market value so who knows you might luck out

LOL. I got rear ended in traffic. The offender's insurance company said "Oh w might offer you a few dollars for the car." I got an attorney and got near clean retail. Of course I had to take several weeks of chiropractic for my 'neck injury'.

 

[QuickNDirty]

That sucks, man.

I know the feeling. I'd just gotten my F150 regular cab with a long bed kitted out for cable installation, and I was running cable in this dude's backyard during tropical storm eduardo when all of a sudden "BOOOM".

The dudes that lived there ran out and started shouting, "Hey, I think someone hit your truck!"

Motherfucker totaled my truck, bent the frame, and still managed to drive off in his shitty lincoln town car.

He was probably 85 years old or so. His son in law came back by while the cops were getting ready to tell me, "Welp... tough shit!".

Insurance paid to fix it, fortunately. Nearly 7500 in damages.

 

[Mike Casselton]

Let them total it out for a fair price. Hold possession of it and then offer to buy it back.

That's what this guy did. I watched it sink in 9' of water. It was fully insured and he got the full payment of his agreed value on the craft, minus $800.

The $800 is what he bought it back for the same day.

 

[Alphatreedog]

Man all these crash stories rem8nd me of one when I was younger . Had a buddy who was fairly built and less than stable . We were out driving 8n his Impala and came up to a red light . We stop and about five seconds later , Wham . Some 50ish
Bitch in a Caddy plows into the back of his car . His bumper was a little bent but I don't think too much more . The Caddy didn't have a scratch . My buddy says , eh not to bad don't worry about it . Oh Fuck8n NOOO . Hagatha starts screamin she wants a cop , this is gonna get settled up , yadaa yada bitch fit . Well my buddy looks at her then proceeds to kick her grill in and kick a n8ce dent in her door . Hagatha is stand8ng there speechless and my buddy says there that about settles it . We hopped in and he took off . Nothing ever came of it . I can still remeber laughing till i fuck8n cried over that .

 

[Midwestside]

 

[Bender]

Warning.

Gratuitous image ahead.









You were warned.











Turn back now....














Looks worse in person.

??????????

 

[Snuby642]

@ bender

If it didn't take out transom or keel a good glass guy can fix it no problems.
Hardest part matching paint and stripes.

Post picture of dammage.

 

[Sieg]

Fiberglas is pretty forgiving when it comes to repairs. Unlike all your "friends" here.

 

[Maggot]

When my old man lost a cow the old black guy who worked for him said philosophically:

Dems dat gots it can ford to lose it. Dems dat aint got it aint got nothin to lose.

 

[Snuby642]

Oh hell might be able to marine tex that.
I have marine texed keels that looked like that.

Imidiatly cover it up do not let any water or dirt get in it.
Seriously.

 

[Bender]

If they can fix it, I would take it. But no fiberglass guys in Wyoming. We only have like 500k people in the whole state.

 

[Mwalex]

Damn! We just cain’t have nuthin nice.

Sorry for the damage and I hope you get it paid for in full.

 

[Sean the Nailer]

it's not like that is the 'fender' or 'quarter-panel' that is easily replaceable. That is "structure" right there, and how's the inside look? Wiring issues, plumbing issues?
It looks bad enough already, I'm sorry to see this. We're actually talking about possibly putting our boat in the water this year,,, and I get 'the loss' at this time.

 

[P-Squared]

Warning.

Gratuitous image ahead.









You were warned.











Turn back now....














Looks worse in person.

??????????



View attachment 7081770

Fuck dude, whatch bitchin about? That will buff right out. (so says the adjuster)

 

[candyx]

You have fire insurance?

 

[Snuby642]

Did not take location into account.
Texas and Louisiana have glass guys every town and along the coast and popular lakes sell marine tex in grocery stores.

Keep it clean and completely dry.
Like trama kit that thing. Don't pick at it.
Appears mostly in a flat strait area that is good.

You travel to Texas occasionally many competent shops but one hell of a tow.

 

[Supersubes]

Do what Husky said, that shit works!

 

[Fig]

I wish I was close. I could fix that back to a perfect gel coat in no time. No promises on matching the paint, but there is a ton to work with there, and you hardly have to build it up.

 

[Carlos Danger]

If its above the waterline, let it go. Can hardly notice it.

 

[Bender]

If its above the waterline, let it go. Can hardly notice it.

Get out.

Seriously.

Deactivate your account and leave.

?

 

[Dewey7271]

I’d think a good car body guy might have a chance there.
Any dealerships or body shops that work on older Corvettes? Probably a glass guy there.

 

[powdahound76]

Bender

That blows man. Very sorry.

There is a pretty bit boat place on the west side of 25 in Ft Collins.

Bet they have a good glass guy.

If not, find a guy that does body work on cars out of a storage unit. Those guys can fix anything up with glass n Bondo....... just skip the bondo and have em sand it nice n even.

Really. Paid a mexican dude on Colfax $200 cash to fix a guys bumper I clipped once. Gave the dude $100 too.
With a standard shop it would been an $1800 job. It was a 10 yr old but nice and well kept car and the work looked great.

I was happy to walk away that cheap.

 

[armorpl8chikn]

First: Sorry this happened to you man.

:B don't let her insurance company hoodwink you.

4; Don't let an auto body man work on your boat!

 

[j-huskey]

Geno can fix it......... Geno can fix anything.

But seriously, known troll, since u now are broken boat, how u gonna troll ???

U change title by avatar now ??? ???






Due respect, I am sorry for your loss, hope it works to your satisfaction. vr

 

[Lapuapalooza]

Need a boat? I Noah guy....

Seriously there is good advice here. KBB is not what the insurance companies usually go by, but it is not the end all in the discussion. Market value in your area can be different than ANY KBB, NADA, etc...

3 things insurance companies love. Documentation, Documentation, documentation. Any upgrades? Make sure they know. Invoices are your friend. Get “sale” prices from dealers (documented of course) to prove value of your vessel.

Call John at Island Lake Marine in Fort Collins. He would be a good contact for you as well

 

[Bender]

I need to TROOL!!!

I almost took it out that day it got hit. But it was cold. So I didn’t.

Now I wish I took it out...

 

[Snipe260]

Demand that it’s all as it was before accident! Take no less! Or new boat! If your big enough prick! Ask me how I know?

 

[Snuby642]

It is completely repairable for seaworthy.

Astetics are tough as the stripes are under gel coat most likely.

What a shame especially the timing.

 

[lonegunman762x51]

Get some comps, especially from a couple of dealers who want to sell you a new boat. Get then in writing and use them to bludgeon the insurance company. If they place any percentage of blame on you, push back hard.

Their plan is to come up with a value, then put you 40% at fault, arguing this would not have happened if you had not parked in the street so it is partially your fault. Then they'll offer you 60% of the value of the boat. That is how they decide the fucked up prices they give you.

Hit them back with full value of the boat based on your two or three estimates, even better if you have an estimate from a dealer who sold or worked on your boat. Then fight for 90 or 100% the fault of their drunk old lady client.

When they lowball you, remind them you are going to lawyer up and sue the fuck out of their client for the difference.

I had an idiot stay-at-home drunk neighbor crash into my garage and do $5,500 damage, his insurance said my garage was 30% at fault and offered me $3,700 of the cost of repair. They said my garage was, "Old and prone to damage because of its age". WTF??? I reminded them my garage was,

A. Well maintained and had a new roof last summer, I agreed my garage was immobile but reminded them that was not age related, it was the nature of being a garage.

B. My garage was minding it's own fucking business and on my private property when their drunk assed client drove onto my property and hit the fucking thing at 25 mph.

C. I'd be dragging their idiot client into court for the remainder of the damages and for my time and expenses related to dragging him into court and this would be a slam dunk.

Try and be nice but firm,,,,,,,,,,,,,,,,,,,,,,,they are assholes and they are paid to screw you over.

 

[Dirty D]

Warning.

Gratuitous image ahead.









You were warned.











Turn back now....














Looks worse in person.

??????????



View attachment 7081770

That’s a nice gash ya got there mr.

 

[Blue Sky Country]

Damn buddy, I feel for you and hope you get the compensation you deserve.

----------
She gets out and says, “maybe I shouldn’t be driving”
----------

Shit, I would have immediately replied: "Yeah I see that, but that's a little too late now, don't ya' think?"

ALWAYS make sure that your investments are insured, and never hesitate to demand in full for the other party's information, insurance and anything else applicable.

Like my coworker says: "Common sense does not grow in everybody's garden." It really does not...

 

[unrepentant]

I'm a former auto painter. The shop I worked in specialized in Corvettes. Your damage is routine for anyone who's repaired bodywork on a Corvette. As one person said, "there's plenty to work with there".

 

[Va_Gentleman]

Sorry about the boat brotha.... The thing about the older lady being responsible really doesn't allow you to get all of your frustration out either....

As we say in the South, the only thing, to say to her is.... "Bless her little ole heart: