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cktalons 07-25-2012 02:29 AM

My Boat was Hit Bad
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Today, while I was ashore and my boat at anchor, my beloved 30 foot Islander was struck on the port side cabin by a 30 powerboat, leaving a gaping hole in the top cabin. The hit ripped a stanchion from the deck, taking the wood core with it. The top cabin has a wide hole, fiberglass and wood from the interior of the boat, splintered everywhere. I've already had the police out to file a formal report, and the officer talked to the other boater. Tomorrow I'll talk with the insurance company of the person who hit my boat. My plan is to have the boat surveyed immediately, determine if the damage is a.)repairable b.)if the boat is safe to be motored or towed to a yard, or c.)whether the cost of repair exceeds the value of the boat.

The horrible issue to all of this is that I LIVE aboard my boat. I have no experience with this at all and educated advice is welcomed. A google search on what to do when a boat's been hit, returned articles on boating accidents. I'd appreciate stories from people who've been in a similar situation.

The good news is the other boater has insurance and has already contacted their company. There was no hit and run. Right now I'm at a loss, as my beloved boat has been terribly damaged.

Advice? Tips?

groggy 07-25-2012 02:57 AM

Re: My Boat was Hit Bad
condolences. good luck with the insurance rep.

having had this experience with non-boat vehicles, you should of course talk to your insurance rep as well to find out what your options are, esp wrt living costs during repair and stuff.

dont trust the other persons insurance rep.

you prob already know that, but im just sayin.

SlowButSteady 07-25-2012 04:07 AM

Re: My Boat was Hit Bad
Whatever you do, don't take anything from the other guy's insurance until you have an estimate from someone you hire (your surveyor, your boatyard). Be particularly leery if the adjuster offers to settle with you right now, based on little more than his/her eyeballing the damage. Like groggy said, "dont trust the other persons insurance rep." A surveyor will give you a ballpark estimate, a boatyard will (probably) give you a much better estimate (although a good surveyor will consult with a boatyard when s/he writes up an estimate of the repairs).

sea_hunter 07-25-2012 04:11 AM

You might want a marine liability lawyer to negotiate your side. Issues can come up from left field, like the other party arguing you were anchored in a navigable channel or that your anchor dragged or some other way to negate your claim. Obviously you'll need a place to stay while repairs or a replacement vessel can be accomplished and insurance companies frown at liveaboards so negotiations will have to be delicate and finessed by a professional. Keep in mind almost anything can be repaired and while a huge inconvenience, there's always a lesson learned. The damage doesn't look as bad as it feels and can be fixed, but get a couple of yards to estimate the damage, don't rely on insurance companies to be looking out for you. Good luck on the repairs and hang in there, all will be well.

SimonV 07-25-2012 07:09 AM

Re: My Boat was Hit Bad
Just went through this myself but here in Oz. First thing contact your insurance tell them what happened ASAP and inform them, you are going to claim on the other party's insurance (this covers you, should the other party's insurer tries to weasel out) If you don't have insurance (which is my guess), what ever you do do not tell their insurer this ( as I use an offshore company I would loose some of my no claim bonus so it was not a fib in my case, but the other party insurer did query why I was not using my insurer) Get 2 independent quotes from the best ship rites in your area and a quote from 2 nice motels ( mine offered a flat nightly rate for accommodation). I did not get a survey as I trusted the ship rite and my own observation and experience. Good luck.
This was what I had to contend with

bljones 07-25-2012 08:24 AM

Re: My Boat was Hit Bad
I am so sorry that this happened, ck. Hang in there, and take the excellent advice given so far in this thread.

Southron Spirit 07-25-2012 08:44 AM

Re: My Boat was Hit Bad
i would like to know what this guy was doing besides driving that he did not see a 30 ft sailboat .
like was he even at the wheel

captainrizzo 07-25-2012 09:01 AM

Re: My Boat was Hit Bad
I am glad you were ashore when this happened. Boats can be fixed. You have to be thankful that you were not injured (guessing a lawyer would disagree) but I am talking about bodily! I agree with getting your own survey and I would try to get those costs covered as well. Best of luck.

Tim R. 07-25-2012 09:08 AM

Re: My Boat was Hit Bad
Sorry to hear about your accident. I agree about calling your insurance agent. Let them look out for you. Repairing your boat properly is in their best interest.

That actually does not look too bad although it is gut wrenching. I had a launch hit and crack the gelcoat on our home and it still makes me sick to think about it.

It should be safe to move but do not do so until a surveyor has a look. Get some metal duct tape and some thick plastic to seal up the boat asap to prevent further damage from weather.

Good luck and keep us in the loop on how this progresses. Hopefully you have some friends to stay with. If you were in Maine, my wife and I would gladly host you and Riley. Our Shamus would enjoy having a friend to hang out with.

wingNwing 07-25-2012 09:08 AM

Re: My Boat was Hit Bad

Others have given you more specific suggestions, I'd add: don't do any "fixing" until you have survey and damage estimates, but you can stabilize the situation - for example, tarp over that hole before your Pacific NW rains ruin the interior.

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