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It certainly looks bad enough, but from a boat integrity stand point is it safe to fix? If it is fixed would the hull still be covered by BCBs lifetime structural warranty? It may not show in those pictures, but the damage is thru the outer glass, thru the flotation, and into the inner fiberglass. That isnt the only damage, but its the worst damage. There are a few stress fractures in the gel coat elsewhere, and what looks like impact fractures in the gunnel near the front of the boat also. The marine surveyor hired by the insurance company says, yep. Fix it. The boat is fine. Nothing wrong with fixing that, and the other damage. A service writer who I trust says, that he thinks the cap and hull would need to be seperated to fix that properly, and he believes that would effectively damage the over all structural integrity of the boat is its not intended to be seperated after its assembled. The fiberglass man has not looked at it yet. There is some damage to the outboard as well. The skeg is snapped off, and thats pretty much fixable. The prop is dinged and bent which means prop job or new prop. Neither are a big deal. What I was concerned about are a couple of 1/2+ depth gouges on the side of the gear case. My immediate thought was new case, and check the guts for trueness before installation in new case. Both marine mechanics I talked to said the same thing with gouges that deep in the case. The marine surveyor argued very stongly to just weld in the gouges and grind it smooth. Its obvious he works for the insurance company. My thoughts are even if the fiberglass is repairable would it void the lifetime structural warranty? How about if it needs to be seperated to fix properly? I absolutely do not expect BCB to make public comment on this as it would open up a whole can of worms, but I thought you guys might like to see what the inside of a BCB boat looks like, and realize what arguements and decisions you may face if you ever have to file a claim with your insurance company. For those who are interested, this is the minor part of the damage from a relatively low speed accident. At about 40 MPH we had a wild burro suddenly bolt out in front of us at night. I swerved and braked, lost control, fishtailed, and the truck went over on its roof. Probably got a little more out of whack when the boat smacked the guard rail. The donkey spent the next several hours standing on a nearby hillside braying at us. We came to a stop with the truck on its roof pointing back in the direction we had come and with the passenger door just an inch from the guard rail. The boat was sideways across the road still on its wheels, but it had torn the hitch receiver apart, and was held up on the bottom of the truck by the safety cables. (Good cables guys. ) I have to say the truck insurance has been much more pleasant to deal with. They totalled the truck, and I should have it paid off and a check for the balance of its value next week. They even made an upward adjustment based on the value of the work box camper shell I had on the truck at the time. It is a shame though that truck values are so deflated currently due to the price of fuel and so many people selling in favor of more economical vehicles. Bob La Londe http://www.YumaBassMan.com Last edited by Bob La Londe on July 5th, 2008, 6:57 pm, edited 1 time in total.–Bob La Londe Forums, Free Lures, Product Reviewswww.YumaBassMan.com CNC Molds N Stuffwww.CNCMOLDS.com
Why did the insurance company not total the whole boat, engine, and trailer? From what I see it will cost more to fix it (the right way) than the boat is worth.
I would push the insurance company to pay to have it delivered back to the BCB factory for a proper job if they force repair and dont total the hull. If they do the work you would be assured of maintaining the lifetime hull warranty. You may be rolling the dice w/ a local shop doing the work. The material things can be replaced, thankfully you and anyone w/ you were OK. You should be able to replace the truck relatively cheap if GM soon matches fords “everyone is an employee” program. Good luck.
They have to pay insured value on the hull per the policy, not depreciated value. Insured value is substantially more than NADA lists as the value for the hull. They also, list boat, motor, and accessories seperately. The just made a policy change upon renewal that allows them to depreciate the trailer, motor, and accessories. They totalled the trailer, and cut me a check for the “depreciated value” which is about 1/3 of what it would cost to replace the trailer. There change was buried on the renewal notice. Not on the front page. Just the rate and offer to renew on the front page. I will probably cancel with them as soon as this is resolved. I am documenting everything to the best of my ability. They have demonstrated a marked amount of cheapness. They have even already taken their deductible out of the towing compensation checks already. I suspect if they can get it fixed for one penny less than the what they will have to pay if totalled they will. They come off as that type of company now that I have a claim. On a plus note… if totalled Ill have a good down payment for a new BassCat. Im thinking PII w/ 200HO. Bob La Londe http://www.YumaBassMan.com –Bob La Londe Forums, Free Lures, Product Reviewswww.YumaBassMan.com CNC Molds N Stuffwww.CNCMOLDS.com
rlb8s wrote: I would push the insurance company to pay to have it delivered back to the BCB factory for a proper job if they force repair and dont total the hull. If they do the work you would be assured of maintaining the lifetime hull warranty. You may be rolling the dice w/ a local shop doing the work. The material things can be replaced, thankfully you and anyone w/ you were OK. You should be able to replace the truck relatively cheap if GM soon matches fords “everyone is an employee” program. Good luck. Yeah, I tried to run that one by them, and the adjuster went into a major tizzy over the thought of having to pay to truck the boat across country. It was a flip flop from his previous statement. Originally he said, “Shop of my choice,” but later said, “nearest possible shop,” that could do the work. I have saved all his e-mails where he has said this. Ialso added my e-mail directories to my drive data backups just to be safe. He and the surveyor both tried to get me to say there was somebody in Yuma who could do the work. I challenged them to show me either a Mercury Certified engine shop or a boat fiberglass repair shop in Yuma. Its not been friendly. The surveyor went so far as to try and imply that there might be a local auto shop who could do the glass work, and tried to lead me out. I told them that if he wanted to spend time in court and drag this out for a couple years that might be an option. Otherwise my boat will only go to a glass shop that just does boats. Bob La Londe http://www.YumaBassMan.com –Bob La Londe Forums, Free Lures, Product Reviewswww.YumaBassMan.com CNC Molds N Stuffwww.CNCMOLDS.com
helluva wreck and a nice mess you got working there. good luck getting all repaired.
Bob – Keep pushing the issue. The adjusters job is to save the company money and will short change you the best he can Your job is to ensure you get made whole based on the insurance you purchased. Being made whole isnt a local repair that negates your lifetime hull warranty (an assumption on my part). Keep pushing. Write letters, call the company and fight fight fight for a proper repair. Also call BCB and talk to them about this when they get back from vacation. They may be able to provide some good info that would sway things in your favor. I assume you are dealing w/ Progressive (inexpensive but really poor post incident support). My experience w/ Boat US has been quite different from yours so I would recommend you give them a shout when you finally resolve this.
Ouch! Though it looks like it would fix inside out pretty simply without removal of the deck assembly. The deck is unable to be removed, thus your dear glass friend would be biting off more than he could chew there. Next week one of the buys at the shop can help you out more with this one. You say you have some stress fractures also, and more will pop up in time. If the trailers tweaked we would be glad to help anyway we can! Glad you seem to be allright! BCBLast edited by Bass Cat Boats on July 6th, 2008, 1:03 am, edited 1 time in total.
NICE SHOTs of the truck also. BCB
OUCH…that hurts me and it isnt even mine. Good luck with the fix and the insurance company. I personally would push as hard as I could for a total, even if it meant not for the full amount. I wouldnt want that boat when it was done being fixed. I know there are some good glass guys, including BCB as highest on that list, but it would forever be in my mind. I once sold a truck for salvage and took that and the ins check when it was rear ended and bent the subframe. I didnt want it back and I loved that truck…one of the few I have owned that really wasnt ready to get rid of. Again good luck, glad you are ok and sorry to see your truck and boat in that shape. Judd Lasiter
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