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Author Topic:   hit from behind
david in boston posted 06-23-2001 11:01 PM ET (US)   Profile for david in boston   Send Email to david in boston  
I was trailering my 72 whaler bassboat 16 back from the cape friday afternoon in Falmouth when I was hit from behind at a stoplight by a woman in a large pickup truck. luckily a cop was right there and saw the whole thing. the truck hit my 1 year old Tohatsu 70 engine right in the prop with such force that pushed the boat 2 feet foward on the tailer, it lifted the back of my explorer off the ground and bent the trailer tongue like a pretzel. amazingliy, the transom is fine. no damage to the hull at all! the engine is toast. the trailer is unusable, but the boat is totally unscathed. I cant imagine the amount of force that went through the hull to bend the trailer like that. I hope insurance will cover the engine and trailer. any experience out there with this type of accident? The woman was driving with a suspended licence. will auto insurance cover this type of damage? the cop took down all the info and I have to pick up the report this monday and call my insurace agent. I was supposed to take my boat on a island camping trip on monday, looks like I will be stowing away on my brother-in-law's boat for now.
- David
Hank posted 06-24-2001 01:44 AM ET (US)     Profile for Hank  Send Email to Hank     
David,
A shame about your damaged boat. As is typical, the accident was caused by someone with a suspended license. (Or DWI) Your misfortune has alerted me to checking into my own coverage with my auto,boat and Homeowner's Insurance.
In any event with a cop as a witness, then her insurance is what matters. In my past experience her insurance company will contact you if the police report clearly blames her.
If somehow your auto policy collision clause covers any of the damage, then your insurance company will get in the act, and try to get some money back from her.I imagine this varies fron state to state.
Hopefully she is not underinsured or uninsured.
Good luck
Hank
david in boston posted 06-24-2001 01:34 PM ET (US)     Profile for david in boston  Send Email to david in boston     
Thanks Hank, I will post what I find out.
carlz posted 06-24-2001 02:14 PM ET (US)     Profile for carlz  Send Email to carlz     
Check you own policy. You may have coverage for uninsured drivers which would cover you in the event she was uninsured.
blackdog posted 06-24-2001 03:12 PM ET (US)     Profile for blackdog  Send Email to blackdog     
If at all possible try to get her to pay out of pocket or at least have her insurance pay. Even if it isn't your fault your premium may go up if your insurance company has to pay on a claim.
Again, even though it is not your fault. Ak your agent ASAP.
Good luck

Blackdog

triblet posted 06-25-2001 10:08 AM ET (US)     Profile for triblet  Send Email to triblet     
Most uninsured motorist policies won't raise
your premium if the uninsured motorist is
identified.

The bad news is that auto policies usually
exclude the boat and trailer.

Chuck

Bigshot posted 06-25-2001 11:05 AM ET (US)     Profile for Bigshot  Send Email to Bigshot     
She is responsible cause she hit you. Does not matter who's fault it is in a rearending. You rear end someone, it is your fault. You call your ins. co and ask what to do. They will probably send an adjuster out and pay you for the damage and then go after her insurance co. You will not be surcharged. My wife and mother-out-law are in insurance.
andygere posted 06-25-2001 01:40 PM ET (US)     Profile for andygere  Send Email to andygere     
David,
Fortunately, Massachusetts has some of the best laws in the country to protect you against uninsured motorists. Unless it has changed recently, she would not be able to keep her vehicle registered if her insurance was not current. In MA, if you miss a payment on your insurance, the insurance company is required to send you a certified letter of cancellation, which also goes to DMV. Then DMV issues a warrant for return of the licence plates if they are not surrendered. That's right, if you don't have current auto insurance, your registration is cancelled and you must turn in your plates. In any event, keep the pressure on your own insurance company to get you a fast and fair settlement. Also keep in mind that what they offer you is negotiable. Get quotes on what it will really cost to replace your trailer and motor, including tax, delivery, etc. and forward them to your agent. It may be worthwhile to have the boat checked out carfully for hidden structural damage. Good luck.
The_Ox posted 06-25-2001 02:05 PM ET (US)     Profile for The_Ox  Send Email to The_Ox     
YES, have the boat checked out by a pro. You never what hidden damage might be there. How is you back feeling after the crash....Oh the pain..the pain (joking).
Hank posted 06-25-2001 11:19 PM ET (US)     Profile for Hank  Send Email to Hank     
David
As I suggested in my earlier post, look at your Homeowner's or Renter's policy. I have found that some of these cover losses you would not normally associate with this type of policy. For example, my Homeowner's policy covers up to $1000 for personal property damage not on the premises specifically for boats, engines and trailers.

Hank

laff posted 06-27-2001 05:00 PM ET (US)     Profile for laff  Send Email to laff     
Sorry about the accident ... but by any chance were you going to camp on washburn island in East Falmouth?
david in boston posted 06-28-2001 10:25 AM ET (US)     Profile for david in boston  Send Email to david in boston     
Laff,
yes, I just got back from 3 days on washburn. what a great pleace! it would be the perfect spot for a whaler group to meet. Really pretty island with 11 campsites right on the beach, but set up on a small bluff in the pine woods so your out of the sun. only boat access, no water/electricity. we mored our boat right in front of our site, it was empty last week. the bay opening is about 1/2 mile away. stripers were into a feeding frenzy all day, every day in the bay opening. Marthas Vineyard is a 10 minute run across the sound. going back again in July with my whaler hopefully fixed by then. saw lots of old and new whalers in the bay. the island ranger uses a very old whaler 13 to go back and forth to the mainland for supplies etc. for tent campers, this is heaven. David
laff posted 06-28-2001 07:56 PM ET (US)     Profile for laff  Send Email to laff     
I'm actually camping there next weekend. My 15foot is in my grandmothers yard two houses down from the waquoit town landing. I spent just about every summer weekend on that bay growing up. Were you fishing from the Jetty or out in the Sound?
david in boston posted 06-29-2001 01:03 PM ET (US)     Profile for david in boston  Send Email to david in boston     
Laff,
we fished in the chanel and on the jetty. lots of schoolies. lots of big fluke on the hedge fence off the vineyard. It must have been a great place to grow up. my kids loved it. Have fun. I will be back there jul 29-31. hopefully the bonito and spanish mackerel will be running by then. It looks like a great spot to windsurf as well.
simonmeridew posted 06-29-2001 04:54 PM ET (US)     Profile for simonmeridew  Send Email to simonmeridew     
David:
I'll be headed to the Vineyard later this summer in my Montauk; I've never fished from a boat there, can you tell me where the "hedge fence" and the "channel" are? Any other worthwhile place?
BTW, we went to Newburyport to fish the mouth of the Merrimack Wednesday, plenty of schoolies in the middle of the day.
simonmeridew

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