Pulled out a cleat at my slip, now getting pursued for damages - advice please - Page 10 - SailNet Community

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  #91  
Old 06-07-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

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Originally Posted by Minnewaska View Post
...Unfortunately, you can expect to have a premium increase next year, based upon the claim...
I was told that it wouldn't change my premiums.

I think they were initially not going to pay him, but then when they saw the amount, I guess they thought it was too small to make a fuss about.

Regards,
Brad

Last edited by Bene505; 06-07-2012 at 08:00 AM.
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  #92  
Old 06-07-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

I expect "his company" was a corporation and a separate legal entity, because last time I dealt with an insurer (auto) and repairs, any labor you put into a repair was NOT reimburseable, it had to be done by an arms-length third party.

Certainly sounds like someone at the insurance company said "just get rid of this".

As Minne said, you know who you're dealing with now. Time to keep an eye out for a different dock.
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Old 06-07-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

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Originally Posted by Bene505 View Post
I was told that it wouldn't change my premiums.

I think they were initially not going to pay him, but then when they saw the amount, I guess they thought it was too small to make a fuss about.
Maybe the claim has to be a certain amount or percent of value to hit you. Mine was over 20k. Deductibles are usually 1% of boat value too, but I'm not sure if that's the case for liability.

Also, this wasn't volunteered to me originally. My premium actually changed very little the following year. It wasn't until two years later, when I made some changes to coverage that I discovered that my premium should actually have gone down by quite a bit, but was offset by the "claim" increase.
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Old 06-07-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

Bene, Glad it's behind you and you can enjoy the sailing season. But it does s#ck when the low lifes win.
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Old 06-07-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

Very interesting thread.
Bene, I'm glad it's all behind now.

I'm an insurance adjuster and would have suggested you arranged for the repairs (if liable or if you just wanted to play nice and continue to have a nice relationship with your marina) yourself by hiring someone; it would have cost a couple of hundreds at most. which you will save in premiums over time; trust me, don't believe what your insurance agent says, don't forget he's just a glorified salesman. The insurance company is going to look at you as a higher risk, as you are more likely to file a claim; whether it was your fault or not, and your premiums will go up.

Unfortunately there are plenty of dishonest people that love to make money from insurance claims, and the costs of everything is super inflated when an insurance company is picking up the bill. I see this every day and I can only think how stupid it is because at the end every single one of us has to pay insurance premiums for one or another thing, so driving the price of insurance up does not help anybody.

Again, I'm glad its behind and you can now go sailing and forget all about it.
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Last edited by sevseasail; 06-07-2012 at 10:22 PM.
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Old 06-08-2012
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Re: Pulled out a cleat at my slip, now getting pursued for damages - advice please

And now that you are off the hook, it is time to move to a different marina. Otherwise, you can expect more of the same kind of treatment in the future. Further, your greedy marina needs to understand that customer-hostile attitudes chase customers off -- especially when the economy is slow and his customers are hurting as much as he is.
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