lncoop
Vice Admiral
- Joined
- Apr 18, 2010
- Messages
- 5,147
but not the kind you think. Last summer the admiral had a little misunderstanding with the gas dock at the state park marina where we usually boat.
The marina took our information because they were required to, but they were super cool about it and we were never contacted regarding their damages, which were minimal. Most importantly no one was hurt, but the barge didn't fare so well. I wasn't aboard so I'm still not entirely sure what happened, and she's not either, but the result was some damage to the boat. I called my insurance company and within seven days the damage was repaired. They took very good care of me throughout the process.
We enjoyed the boat for the remainder of the summer, but I began to notice some grinding in the gears when I shifted. The admiral asked me about it and I told her it was likely the result of her encounter with the dock because I'm pretty confident she panicked and jammed it from WOT forward to WOT reverse with no stop in between.:facepalm:
Fast forward to two weeks ago. I dropped the boat off for a few things and asked them to take a look at the control box while they had it. They called me later with the news that it was was indeed shot, so I called my insurance company and asked if they would cover it. Within 24 hours they had contacted the mechanic for paperwork, and four days later (including the weekend) the adjuster called to tell me a check was on its way. That's good service my iboats brethren.
Now, I know what some of you are thinking. "He could have taken the insurance premiums and paid for those repairs many times over", and that may be the case. However, in addition to insurance against relatively small damages like that I have the peace of mind of knowing that if the boat sinks or falls off the trailer or something else catastrophic occurs I won't have to choose between shelling out some serious coin and not having a boat. In my mind that's money well spent.
So, I realize everyone's case is different, but if you're on the fence about whether it's worth it, I strongly encourage you to look very carefully at full coverage. I know it makes the Coops boat happier and sleep better. That is all.
The marina took our information because they were required to, but they were super cool about it and we were never contacted regarding their damages, which were minimal. Most importantly no one was hurt, but the barge didn't fare so well. I wasn't aboard so I'm still not entirely sure what happened, and she's not either, but the result was some damage to the boat. I called my insurance company and within seven days the damage was repaired. They took very good care of me throughout the process.We enjoyed the boat for the remainder of the summer, but I began to notice some grinding in the gears when I shifted. The admiral asked me about it and I told her it was likely the result of her encounter with the dock because I'm pretty confident she panicked and jammed it from WOT forward to WOT reverse with no stop in between.
:facepalm: Fast forward to two weeks ago. I dropped the boat off for a few things and asked them to take a look at the control box while they had it. They called me later with the news that it was was indeed shot, so I called my insurance company and asked if they would cover it. Within 24 hours they had contacted the mechanic for paperwork, and four days later (including the weekend) the adjuster called to tell me a check was on its way. That's good service my iboats brethren.
Now, I know what some of you are thinking. "He could have taken the insurance premiums and paid for those repairs many times over", and that may be the case. However, in addition to insurance against relatively small damages like that I have the peace of mind of knowing that if the boat sinks or falls off the trailer or something else catastrophic occurs I won't have to choose between shelling out some serious coin and not having a boat. In my mind that's money well spent.
So, I realize everyone's case is different, but if you're on the fence about whether it's worth it, I strongly encourage you to look very carefully at full coverage. I know it makes the Coops boat happier and sleep better. That is all.
