definitely get a surveyor
that boat will have issues you cant see
based on the age, it will end up being totaled
www.teamcharlestonmarine.com
www.bombislandboats.com
IF I RESPOND IN ALL CAPS, ITS NOT ON PURPOSE, AND I AM NOT YELLING
Stop holding out on us. We know you have pictures
Bet you anything the officer wont be charged and you will
They will work it so its not their fault
Buddy of mine turned left and side swiped a cop that was passing him illegally in a intersection and my friend still got charged with the accident
Bad thing was the cop passed me first and told me to mind my own business and they didnt need my statement when his friend the highway patrol showed up
Hope you have names and numbers of witnesses
84 HYDRA SPORT 1800SS
89 Yamaha 150
‘BAD HABIT’
89 TRACKER 17 TX
MERC 50
‘OL LEAKY’
Looks like the City of Charleston just bought a boat! I got hit by a IOP cop after Hugo and had to fight the hell out of them but prevailed in the end (no pun intended)! Just like Poboy said, they are gonna play hardball but stay the course. Nothing against Law Enforcement at all but the decisions come from the higher ups. That’s why these issues are called “accidents”. They happen.
but just remember my favorite quote of all time: Josey Wales: Now remember, when things look bad and it looks like you’re not gonna make it, then you gotta get mean. I mean plumb, mad-dog mean. 'Cause if you lose your head and you give up then you neither live nor win. That’s just the way it is.
TN8S
The insurance company will likely use NADA to run a value on the boat and motor…the value for the electronics will be separate under personal property coverage. If you disagree with the NADA value, you could ask for a CCC Evaluation - this could appraise the boat higher, or it could appraise the value lower…kicker on the CCC Evaluation, if you go that route, the insurance company will dig in their heels and go with that value and not increase their offer of settlement.
CCC Evaluations are kinds like MLS sales on houses to get an average price on recent sales. Insurance might even go CCC from the get-go. You’ll be looking at 3 claims…one for the boat and motor and one for the boat trailer and the 3rd for the truck. Deductibles are going to be painful.
Insurance, if they have a good adjuster will look over the boat and decide if they need to get a surveyor for their report. You can always get your own second opinion but it’ll be at your cost of the second opinion.
Ideally, you’ll get to file the claims under the police departments liability coverage and get them to pay for all the damage and you won’t have to be out of pocket for any deductibles. Under a liability claim against the police liability policy, you’ll also have a little more negotiation power too…a lot more than your personal insurance company. Good news is that if you get your insurance to cover the damage and then subrogate the police liability coverage…you’ll recover your deductibles.
“I am constantly amazed at the stupidity of the general public.”
~my dad
Equipment:
2007 Grady White 222 Fisherman / 250 Yamaha
Simrad NSS evo2 and G4
1- 22 boy that won’t move out)
1 - 18 year old (fishing maniac)
1 - wife (The Warden)
ECFC
Dang. That really sucks. I’m sorry that happened to ya.
Thanks everyone for there advice and concerns. Now its just a waiting game. I will let everyone know what happens when I find out.
Chad
Chad.
Sorry for this.
Do not wait or delay on anything
There should have been a police report written. Go to the station and get your hands on it ASAP. Dont let them blow you off. Ask for the officers commander. If
you
If necessary …
If you don’t get satisfaction, contact your city councilman. Cops, firemen and other civil servants pay attention to them
And talk to your own insurance carrier. They will help too