07-26-2015, 05:05 PM
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Senior Member
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Join Date: Nov 2009
Posts: 329
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Quote:
Originally Posted by 5th Tuition
As some of you know, opening day was eventful for me and my crew. I was coming out of Rockhold Creek. It was just before daybreak and I followed the charter boats out past the jetty. I opened it up to 17mph (the speed most charters run out of Deale). I told my crew to be on the lookout for the white clam markers just outside Deale (the winter ice had laid them over). I told them they would be easy enough to see, but extra eyes would be helpful.
About three to five minutes outside the jetty, we felt a WHAM. My first thought was that I hit something. But instead, we had been hit from behind by another boat A 33 ft Grady White (with radar) ran smack dab into my outboard and slid off to do damage to my gelcoat on the transom.
I was amazed that it wasn't more damage. The engine cover needed replacing and about 9 inches of gelcoat work. I guess, because I was doing 17 and he was doing 27 (maybe); it was like he hit me at only 10mph. Add to that, a boat in the water moves forward when hit (not stationary like a car), and we were all very lucky.
Anyway, I got my new insurance premium bill for this coming year. Because I put in a claim, I no longer qualify for a special discount that I was getting. My old bill was for $695/year. The new bill is for $765/year. Now I realize that's only $70 more/year. But it pisses me off that My insurance rates went up due to someone else hitting me from behind and being at fault.
I'll spend $70 on a single fishing trip (ice, bait, gas, tackle); but it's the principle that has me ticked.
It's not financially efficient, but I'll spend $800 on a new insurance policy, just so I can call them and tell them to Kiss My A$$.
So here's what I need from you. What insurance company do you have? Have you ever put in a claim? How proficient were they in handling your claim? Are you still happy with your carrier?
I'm with BoatUS and never put in a claim in for over 30 years of boating. Even when my electronics were stolen, I placed a claim, but then the electronics were recovered, so my claim was withdrawn.
Again, I realize that $70 is not a big deal. I may be forced to stay with them if I can't find another carrier. I know some people have Charter Lakes and are happy. Who do you have and how happy are you?
5th
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Didn't the guy that hit you pay for the damage?
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250 years of Eastern Shore heritage.
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07-26-2015, 06:29 PM
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Senior Member
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Join Date: Nov 2009
Location: Linthicum,Md
Posts: 2,983
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Quote:
Originally Posted by reds
Didn't the guy that hit you pay for the damage?
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Yep; this is all about me putting in a claim. My insurance pays for the repairs, minus my deductible (supposedly to get me back on the water quicker). After I'm back on the water, then they go after the other guys insurance company to get reimbursed.
BUT; technically, I put in a claim Therefore, I'm not eligible for a special discount that I was getting for NEVER putting in a claim
Like I said, for the policy to go up $70 is not a huge increase. I'm sure it cost them more than $70 to process my claim. They had not only the office paperwork, but their adjuster/surveyor came out twice to see the boat (and I know he had to get paid too).
I haven't called them yet to see if they will drop the $70 charge (perhaps they will). I just wanted other options before I call.
5th
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07-26-2015, 07:25 PM
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Senior Member
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Join Date: Feb 2008
Location: Annapolis, MD
Posts: 1,430
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Shorething here works at Bayside insurance. Give him a call. He has my homeowners, auto, life, and umbrella with Erie. Erie is great to deal with when you need them (I have had auto claims and house fire claims with them). I got a multipolicy discount. I used to have my boat insurance with them prior to running for hire trips. It was great to have everything backed up by the umbrella.
I now have charter lakes for my boat since I run charter trips. However I dont know how they are when it comes to claims. I know Erie is good and Chris is responsive.
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07-27-2015, 04:59 AM
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Senior Member
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Join Date: Nov 2009
Posts: 329
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Quote:
Originally Posted by B-Faithful
Shorething here works at Bayside insurance. Give him a call. He has my homeowners, auto, life, and umbrella with Erie. Erie is great to deal with when you need them (I have had auto claims and house fire claims with them). I got a multipolicy discount. I used to have my boat insurance with them prior to running for hire trips. It was great to have everything backed up by the umbrella.
I now have charter lakes for my boat since I run charter trips. However I dont know how they are when it comes to claims. I know Erie is good and Chris is responsive.
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Call Hogan's Insurance in Chestertown for the charter Insurance. That is the company most of the charter people in the upper bay deal with. Better rates.
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250 years of Eastern Shore heritage.
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07-27-2015, 08:13 AM
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Junior Member
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Join Date: Dec 2009
Posts: 29
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Marty,
If you wanted to package your Home, Auto etc with the Boat then I could look at packaging everything with Erie. Erie does not insure boats stand alone. Otherwise I have markets with Progressive, Catlin, NMU and Foremost for boats stand alone. Give me a call or send me an email if you want to discuss. Chris 410-643-6641 or chris@bayside-insurance.com.
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07-27-2015, 02:32 PM
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Senior Member
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Join Date: Jan 2013
Posts: 329
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Quote:
Originally Posted by reds
Call Hogan's Insurance in Chestertown for the charter Insurance. That is the company most of the charter people in the upper bay deal with. Better rates.
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This is who we have the charter boat with - been good to deal with. They beat Charter Lakes rate by a long shot.
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07-27-2015, 02:44 PM
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Senior Member
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Join Date: Feb 2008
Location: Annapolis, MD
Posts: 1,430
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Quote:
Originally Posted by Tawn
This is who we have the charter boat with - been good to deal with. They beat Charter Lakes rate by a long shot.
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Good to know. I will give them a call.
I went with Charter Lakes because they were so flexible on coverage (offering me ocean coverage, no lay up period, etc.)
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07-27-2015, 07:05 PM
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Senior Member
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Join Date: Nov 2009
Location: Linthicum,Md
Posts: 2,983
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Thanks for all the options Chris, I am happy with my home and car insurance.
I'll make a few phone calls.
Thanks guys
5th
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08-02-2016, 10:08 PM
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Senior Member
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Join Date: Nov 2009
Location: Pasadena
Posts: 952
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Marty I have to throw my support in for Erie as well.
While not ever having to do a claim on the boat, I have been in 3 auto accidents in the last time years (none my fault) and they were great to work with.
Also had a flood in the house years ago and they took care of it quickly and to my satisfaction.
And with that said, my rates have never gone up due to any type of claim.
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Mike
26' Sailfish Walk Around
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08-03-2016, 06:19 AM
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Senior Member
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Join Date: Nov 2009
Location: Linthicum,Md
Posts: 2,983
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AJSB
Luckily; I haven't had to put in a claim with Charter Lakes Of course, I never put in a claim with Boat US for over 15 years either; so I don't know how they will react. However, I do know how BOAT US reacted and I felt like I would be supporting their actions if I had stayed with them
As to your second question about keeping towing. I reluctantly did keep my towing with Boat US towing. I have 2500 dollars on water towing with my Charter Lakes policy, but I need TRAILER ASSIST for when we trailer to Southern Maryland (Point Lookout) in the fall.
I hate supporting Boat US in any way, but I do use the on water fuel discount, the West Marine discount, and I enjoy the Boat US magazine.
So there you have it. I guess every insurance company is a crap shoot until you need them. I just didn't think I got my monies worth out of Boat US when I needed them.
Best of luck with your new carrier. Sounds like their are several options for you to use.
5th (Marty)
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