These thieves are in the business of NOT paying by any means possible. They have no sense of right and wrong. They employ "adjusters" to see how they can weasel out of paying. This is true across the insurance industry, from homeowner's, to medical, to boats. Insurance companies are in cahoots with lawmakers, through their use of lobbyists and political pressure, to pass laws ALLOWING them to screw you. Nothing new here. The solution: own an old boat so that if you wreck it, you can walk away without losing your shirt (this is supposed to be fun), don't sign anything a so-called "rescuer" hands you in a stressful situation, don't pay for insurance other than liability through your homeowner's policy. In the US, don't call the Coast Guard because they no longer offer assistance like they once did but call towing outfits who are, by the way, also in the business of screwing the general boating public if you do not subscribe to their service. On the other side of the coin, if it were not for scams, overuse, circling attorneys looking to make a quick buck, and outright insurance fraud by owners of insured things, maybe insurance companies would not need to cheat the honest people buying their product.