Insurance Claims

[rdlangston13]

So heres the low down, I have hit a few things over the years with the prop but never like horribly bad but I have had this buzzing growl of vibration for a while now and there is also some kind of harmonic whine. I was looking closely at the back of the boat this last fall and it looks like the strut is ever so slightly bent off to the left and the shaft is actually up against the brass through hull it comes out of in the bottom of the boat so I decided I would take it in this spring for repairs. I talked to someone at the dealer a few months ago who gave me a price and it seemed very reasonable so I was just going to come out of pocket because it was just a little less than my deductible. Well I inquired about the work and the official repair estimate is about triple what I was told a few month ago so now I am thinking filling a claim is the way to go for sure. My question is is it critical that I did not file the claim when the issue first occurred? and what kind of increase on my yearly premium would I be looking at?

[kaneboats]

Well, a property damage only claim if it raises your rate will be negligible. But, you have an issue with your failure to report the claim within a reasonable time as required by every policy since the beginning of time.

[wolfeman131]

Sounds to me like you had some back luck last Saturday.


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[zabooda]

I would have said the same thing. Just get your shop on the same page as their explanation of damages to the adjuster can make the claim process go easy.

[KG's Supra24]

.... and delete this thread baahahaha

[07STI]

I'm pretty sure this is all hypothetical...

[MJHSupra]

Sounds to me like you had some back luck last Saturday.


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Or the bad luck might happen this Saturday.

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[KG's Supra24]

Oh man ... Mike, you need to jump over to the vehicle stereotype thread and get a Trayson analysis.

It will be a hoot. Love you guys, ha.

[trayson]

Oh man ... Mike, you need to jump over to the vehicle stereotype thread and get a Trayson analysis.

It will be a hoot. Love you guys, ha.

I know his vehicles... I could certainly have some fun with it. (he might never speak to me again, but it'd be entertaining!) j/k. Mike tells me that he doesn't take my crap seriously.

[mmandley]

I know his vehicles... I could certainly have some fun with it. (he might never speak to me again, but it'd be entertaining!) j/k. Mike tells me that he doesn't take my crap seriously.

I have been reading that thread, but I didn't feel like participating LOL.
I look at my wife's VW Passatt TDI as a nice sedan, that gets awesome mileage and longevity being a diesel, as she's had it for 4 years and has 100K already.
My Ram is very nice, a diesel but its not lifted, no fancy wheels or tires, its functional to pull my boat and haul stuff, I even tried a Ecoboost, just didn't work out for me lol
Of course now I don't even pull my boat, so my diesel is just a nice big truck. Can't bring myself to sell it, same as the boat, its bigger then I need now but being almost paid for, hard to jump into another lol