Re: Apparently I'm not meant to have a boat...
Thanks for keeping us all in the loop Jim.
At the very least this is making all of us (or at least me) cast a hairy eye on how insurance works.
I would think that since you've made a claim, and have a valid reason to believe it was accidental (no long term signs of rubbing etc) they would front the money to prove otherwise or just pay up.
That's like saying if I hit a log I have to show the log and prove I hit it.
I'd have a hard time swallowing the entire cost of the yard doing the engine pull - that is something you could do your self; maybe you can negotiate that down.
Sad news is if it's proven to be an 'accident' that caused the transmission to blow they are still likely to call it a total.
Lessons learned are opportunities earned.