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Old 07-25-2012
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Re: My Boat was Hit Bad

CK,

Sorry to see the damage to your boat (your home!). Marine insurance varies country to country. Might be worth paying a limited amount for legal advice, given that you live in litigacious USA. When my neighbor's boat dragged and hit my boat in a storm, we both reported it to our insurance companies, which turned out to be the same company. Although both boats were repaired satisfactorily, the insurance company said the blame was shared and wanted both of us to pay deductables. Fortunately my neighbor is a good guy and paid my deductable out of his own pocket. You are right to go after the power boater's insurance company. If you involve your insurance company, make sure that they know you are exercising your "right of subrogation" to go after the other party for full damages. Good luck. Hope you have a speedy resoution.
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