Insurance Claims???

[Run_em_Hard]

What kind of affect on your insurance and/or the premium, are there if you file a claim???

[Cole Trickle]

What kind of affect on your insurance and/or the premium, are there if you file a claim???
What kind of policy?
What kind of claim?

[Run_em_Hard]

Full coverage, decent insurance.
F#cked up outdrive and coupler.

[Partycattin]

I had a $5000 claim last summer on my boat with State Farm. No change in premium or anything. Business as usual.
Usually you have to worry if you have multiple claims in a short period of time.

[Run_em_Hard]

Who on here is that knows alot about insurance is willing to talk, mabey on the phone, and give me a little bit of advice on how to go about this???

[chase8]

Guess I won't be seeing you at the Pineview light festival on saturday.

[Partycattin]

What caused the damage.
part failure, defect, wear/tear = not covered
impact with sand bar, rock, etc = typically considered impact with a submerged object and covered.

[Run_em_Hard]

Guess I won't be seeing you at the Pineview light festival on saturday.
Nope...sorry. you hear about the swells we had at Bear Lake over Rasberry Days? 6+ ft swells.

[Run_em_Hard]

What caused the damage.
part failure, defect, wear/tear = not covered
impact with sand bar, rock, etc = typically considered impact with a submerged object and covered.
Anchor rope...

[chase8]

Nope...sorry. you hear about the swells we had at Bear Lake over Rasberry Days? 6+ ft swells.
My older brother was hanging at his condo over rasberry days. He has a 22 ft cobalt. I'll have to call him cause waves like that would scare the piss out of him. Betting he left his boat in storage. To bad you can't make the festival. It's usually a blast.

[Partycattin]

Anchor rope...
How much damage?
Should be covered as "sudden and accidental" damage.
Just look at the "losses not insured" or "exclusions" section of your policy.