Have you ever heard of this? Michigan law?

[pikefisherman]

I was rear ended a couple of days ago, boat on trailer behind me, not a lot of damage, broke mount on motor (older motor) and bent the bow a little ( repaired my self but paid for weld) but insurance won't cover nothing,agent told me that I needed to have a separate policy on boat.I am not done with them yet.!@# insurance company.

 

[mnypitboat]

Re: Have you ever heard of this? Michigan law?

Why is the other driver not paying for it if they rear ended you?? And yes, you do need to have insurance on your boat for it to be covered. Your car insurance is for your car, not something being towed by your car.

 

[smokeonthewater]

Re: Have you ever heard of this? Michigan law?

that's not michigan law that's common sense.... the collision portion of your vehicle policy is based on the value of the vehicle.... of course they won't cover the boat..... now the driver that rear ended you (assuming you did not somehow cause the accident by cutting him/her off etc) IS responsible for the damage and his/her liability policy has to cover... as long as it wasn't deemed a no fault accident which IS one of those stupid michigan laws.

 

[pikefisherman]

Re: Have you ever heard of this? Michigan law?

So then I also should ask, do I get extra insurance for the bicycles on the rack, or the utility trailer and whatever is haled on it?

 

[mnypitboat]

Re: Have you ever heard of this? Michigan law?

So then I also should ask, do I get extra insurance for the bicycles on the rack, or the utility trailer and whatever is haled on it?

Your car insurance covers your car. Not bikes or utility trailers. Period. You might want to talk to an insurance agent. Your homeowners insurance doesnt cover your healthcare either. Even if you get sick in your house.

 

[speeding]

Re: Have you ever heard of this? Michigan law?

The good news to it is depending how old your boat is ext the insurance is cheaper then a car at least it was in my case. I would think that weather you had insurance or not that the other person would have to pay for repairs though.
Just my 2 cents

 

[H20Rat]

Re: Have you ever heard of this? Michigan law?

just a quick note on insurance, but your vehicle LIABILITY insurance does extend to whatever is being trailered behind it. Liability only though under most policies, not property.

 

[smokeonthewater]

Re: Have you ever heard of this? Michigan law?

So then I also should ask, do I get extra insurance for the bicycles on the rack, or the utility trailer and whatever is haled on it?

if you feel the need to insure them then........yes


Now if you run your car into someone else's boat, your liability coverage will cover that.

 

[pikefisherman]

Re: Have you ever heard of this? Michigan law?

Thanks for the reply's I will look into covering it,I hope readers that did not know will know now.

 

[BRICH1260]

Re: Have you ever heard of this? Michigan law?

I am in the insurance business, maybe I can help a little. Based on the value of your boat, you may want to insure the boat for physical damage. This insures the boat for physical damage repairs/replacement done to the boat whether it is on the water or in your backyard, or anywhere in between. If your boat is not worth covering for physical damage, you will at least want to cover it for liability on the water,just in case you damage someone elses property or cause injury to an individual while on water. Your vehicle insurance will not cover your boat while it is on water for liability.

Your towing vehicle will cover you for liability damage,damage done to others property, while it is being pulled on a road( in case the trailer breaks loose and causes a collision behind you).

Now given the senario here, pike was rearended, assuming he was not responsible for causing the accident, he should be able to collect from the negligent party`s insurance carrier for his damage under the vehicle owners liability coverage. Pike, you need to file a claim against the guy who rear ended you. His company should repair all your damages.

 

[BoatNoobie]

Re: Have you ever heard of this? Michigan law?

Assuming the other driver has insurance.

 

[Ibl0wstuffup]

Re: Have you ever heard of this? Michigan law?

Im pretty sure under mi no fault the max you can get out of the other guys insurance is 500. I totaled a car with no collision insurance and the accident was the other guys fault, all I got was 500 from his insurance.

 

[pikefisherman]

Re: Have you ever heard of this? Michigan law?

Thanks for the info Brich 1260 lots of things I did not think of.

 

[sublauxation]

Re: Have you ever heard of this? Michigan law?

Your car insurance covers your car. Not bikes or utility trailers. Period. You might want to talk to an insurance agent. Your homeowners insurance doesnt cover your healthcare either. Even if you get sick in your house.

Actually if you fell in your house then technically your homeowners insurance would have the first liability for those injuries. Same with putting a cooler in the trunk of your car, technically your auto insurance would have first liability for related medical bills.

 

[mnypitboat]

Re: Have you ever heard of this? Michigan law?

Actually if you fell in your house then technically your homeowners insurance would have the first liability for those injuries. Same with putting a cooler in the trunk of your car, technically your auto insurance would have first liability for related medical bills.

I said getting sick in you house. Not falling. Medical bills related to an accident are completely differant. And what does putting a cooler in your car have to do with liability? I can tell you for certain my car insurance does not cover contents. So that being said, I wouldnt expect that they would cover bikes on the back or a trailer. Liability is completely differant.

The first thing I did was read my policy when I took out insurance on my car. Actually I read what I was getting before I signed the papers, but then confirmed when I got the actual policy.

I think anybody that does not do that is being foolish. Same with my homeowners. Do you know how many people do not realize they are not covered for floods under the normal policy? This all seems like common sense to me. Verify what is covered before you go driving around.

Boat insurance will bite you in the boat too. My understanding is that most policies do not cover if a boat sinks and spills oil and gas. You are responsible for the clean up.

 

[sublauxation]

Re: Have you ever heard of this? Michigan law?

I said getting sick in you house. Not falling. Medical bills related to an accident are completely differant. And what does putting a cooler in your car have to do with liability? I can tell you for certain my car insurance does not cover contents. So that being said, I wouldnt expect that they would cover bikes on the back or a trailer. Liability is completely differant. QUOTE]

How about instead of liability I say "they would be the primary insurer." Which really means they are liable for the bills but in a way you're right too. As for the cooler..., twist your back putting it intot he car and go to the emergency room and your car insurance "would be the primary insurer." My point was that homeowners isn't just for homes as auto isn't just for your car. There are other situations that arise and it's worth talking to his insurance agent, albiet after the fact.

 

[sw33ttooth]

Re: Have you ever heard of this? Michigan law?

hello fellow michigander, as its been said $500. is the maximum you can get from the dude that rear ended you not your insurence but his insurence or him if he had non. now that being said i would NOT have fix your boat that quickly, now that it is fixed if some one needs differnt pictures from the ones you should have taken or if they needed to see it. well then you can be SOL my friend.

 

[pikefisherman]

Re: Have you ever heard of this? Michigan law?

Thanks for all the great advice,well for now I'm going to pad a closet and lock my self in it and hope a spider don,t bite me cause that type of spider is probably not covered unless I have coverage for long haired spiders I think mine covers short haired spiders.
But really I will start looking into better insurance.
As for my boat repairs they were not that bad, my point was I was stunned my insurance id not cover me,but what happens when you assume.
I hope this helps others with their property.

 

[crackedglass]

Re: Have you ever heard of this? Michigan law?

Apparently insurance coverage differs greatly by state.
I was driving a 5 year old truck two years ago, I got hit while towing a trailer and carrying a barbeque grille. The trailer suffered the most damage, bent tongue, bent hitch on the truck, bent fender, broken lights, the barbeque grill got launched free of it's ratchet straps and set into a pole. The truck suffered frame damage.
I called my insurance company, they told me straight up what the truck was worth and that being 5 years old and over 50K miles it was totalled if the damage reached 50% of it's value which they stated to be $11,250 at that time. They then asked me if the truck had any accessories, each item added value, then they asked me about any other losses. I listed the barbeque grille, trailer, etc. They asked me what the replacement cost would be on the trailer and grille, I gave them the amount I paid new for them, and that got added to the total.
three days later I got a check for the total, including the value of the grille, my tie down straps, (which I hadn't included but they itemized at $20 x 2.), plus the trailer value. I was told to dispose of the trailer and buy a new one and that the truck would be collected within the week unless I wished to buy it back. When I inquired as to what that meant, I was told that in lew of some of the payment I could keep the truck and fix it myself if I paid the salvage value. The salvage value was $4500, so I let it go, figuring that a 240,000 mile truck was better off being replaced anyhow.
I bought a new truck, new trailer, sold the old trailer for $400 with a new fender and light kit, and never looked back.
Unfortunately the insurance company no longer sells insurance here, so I had to switch, but they handled the whole matter fast and with no argument at all.
I never heard of 'adding' a boat to your policy. Why on earth would you own a truck if you didn't tow a boat or haul cargo? What idiotic insurance company would think that way.
Even my current policy describes 'my vehicle' as being the 'vehicle insured plus occupants and contents within'.

 

[mnypitboat]

Re: Have you ever heard of this? Michigan law?

Apparently insurance coverage differs greatly by state.
I was driving a 5 year old truck two years ago, I got hit while towing a trailer and carrying a barbeque grille. The trailer suffered the most damage, bent tongue, bent hitch on the truck, bent fender, broken lights, the barbeque grill got launched free of it's ratchet straps and set into a pole. The truck suffered frame damage.
I called my insurance company, they told me straight up what the truck was worth and that being 5 years old and over 50K miles it was totalled if the damage reached 50% of it's value which they stated to be $11,250 at that time. They then asked me if the truck had any accessories, each item added value, then they asked me about any other losses. I listed the barbeque grille, trailer, etc. They asked me what the replacement cost would be on the trailer and grille, I gave them the amount I paid new for them, and that got added to the total.
three days later I got a check for the total, including the value of the grille, my tie down straps, (which I hadn't included but they itemized at $20 x 2.), plus the trailer value. I was told to dispose of the trailer and buy a new one and that the truck would be collected within the week unless I wished to buy it back. When I inquired as to what that meant, I was told that in lew of some of the payment I could keep the truck and fix it myself if I paid the salvage value. The salvage value was $4500, so I let it go, figuring that a 240,000 mile truck was better off being replaced anyhow.
I bought a new truck, new trailer, sold the old trailer for $400 with a new fender and light kit, and never looked back.
Unfortunately the insurance company no longer sells insurance here, so I had to switch, but they handled the whole matter fast and with no argument at all.
I never heard of 'adding' a boat to your policy. Why on earth would you own a truck if you didn't tow a boat or haul cargo? What idiotic insurance company would think that way.
Even my current policy describes 'my vehicle' as being the 'vehicle insured plus occupants and contents within'.

I bet if you call your new insurance company you will find that they wont cover a trailer.

You dont have insurance on your boat? What will you do if something happens on the water? Boat insurance is really cheap, it is just not worth not having it.