[hamiam]

You have to move your claim up the food chain. With all due respect to all the insurance people out there, my father worked for Travelers Insurance for over 30 years and told me that the company would do anything they can to not pay a claim or to pay less. One of the tactics is to drag out settlement. Call the woman back. Get the name of her supervisor and call that person. I didnt catch what state you are in but call the office of insurance oversight and he some advice from them. You should not have to wait this long. Even if you got hit by someone else and its his fault, your insurance company should pay you and then go after his insurance company to recover the money. After all this hassle you will be treated to either an increase in rates, at best, or cancellation of your yacht policy at worst. So, start shopping around now. I would try insurance offered by BoatUS/West Marine or Defender as they are very familiar with boat claims. Good luck.