I have been on this boat many times and been behind the wheel in rough water it seems the driver cut the wheel into a bad wave maybe a bad angle. What a shame always a great looking and running boat. The boat wasn't even sold but a week ago how dumb is this?:lolhit:

God was watching over the 3 in the boat that day for sure!

was the boat rented out or loaned out? it doesnt seem like svl-warlock was on it and he claimed ownership---something is not adding up?? this would help explain the likelihood of why the incident occured in the first place??

Either the boat had no insurance on it or svl took it to his marina and eagerly started working on it before insurance adjusters finalized any claim--either way it would be considered a total loss. that sucks:eek:

The insurance company can simply deduct the salvage value of the boat from the settlement amount. You do not need to give up ownership of the boat. Most insurance companies will have an issue with the policy holder being a passenger and having someone who is not named on the policy at the controls.

The boat is fully insured. It is owned by our company. We brought it back to our marina because we wanted to take care of the motors as best we could to keep any more damage from happening. The accident happened a mile from our marina. I was not on the boat at the time of the accident, however my brothers were.

1st, glad all are ok.
Not to sound like a dick, but seems to be some conflicting info here. Boat going fast, turned sharp and rolled by eyewitnesses, to going not fast and **** just happened with 'steering' being questioned, yet drives were straight?? Why wouldn't they have been turned fully to cause a roll if it did in fact fail?

No idea how this works under these circumstances, so just asking...
Did the ins adjusters determine the cause of the accident before you took the boat?

That was my point it was eagarly "worked on" before the insurance adjuster finalized the claim taking apart the motors is not gonna save anything....its gonna make a mess of the motors for the person buying it from the salvage auction. You better hope the insurance co doesnt charged you to reassemble everything back.

Glad everyone got out alright...sad to see...

If it where my boat, I would want to know the current condition of the boat completly before making or accepting any offers to buy the boat back. Also if I could possibly save anything to make the boat worth fixing I would. So, I see no point in your comment.

Glad everyone is OK ! I had a hydraulic line fail on the steering in my 31 Sonic at about 60 MPH and the boat took a "hard" turn to port nearly throwing 2 passengers overboard. While the boat did not roll, steering issues do occur and not a fun feeling ! Like SVL said, boats can be replaced, lives cannot !

Dunked in salt, pics online... get the insurance check and run...

charliem--you can do that once the claim is final. You can jepordize the insurance co. denying the claim--I am not insinuating that this man did anything wrong but he could have his claim deny'd. Its clear its a total loss and therefore it would no longer be the owners property to mess with, work on, take off parts, begin to fix, etc. Much too often people who have to fix things and people who buy things at auction end up finding out there are missing parts and thus its a nightmare as well as added expense. The insurance co pay the high value and expect to recover a fair amount -residual in salavge auction to offset the claim--you think they would want say a Ing computer-ECM for a car left behind or someone keeping it when they are paying for the actual wreck and whats left. Then when their claims get denied they are on here *****ing and moaning...its worse when it carries onto innocent boaters.

Everyone is on here complaining about high insurance???

Charlie--for future reference when a boat rolls or is submerged its considered a total. If it were a repair situation you simply get authorization from the adjuster to open it up to determine the true scope of the damage and all is fine!

glad all is ok, boats can be replaced

of course, thank god for everyones well being first and formost---i only repost so its not over looked.

If a boat goes under, first course of action is to contact the insurance company and get permission to begin a salvage operation. Sometimes the adjuster will want to see the boat before giving the go-ahead to start saving things that can be saved, other times the adjuster will give permission to start the operation.

For all we know he already contacted his insurance agent and they gave him permission to start the salvage but I'm not going to speculate. Either way time is of the essence when a boat goes down, especially in salt water.

In addition, I've seen a few go over or sink in salt water that are just as good if not better than the day they were built.

I would pickle the engines and what to see if the adjuster is reasonable . I bought my boat insurance salvage back , but it took a lot of haggling . It was the insurance adjusters job to get as much as possible for any salvage . I think if it's totaled they will own it pending your acceptance of the settlement offer . Then you have the option to buy the salvage back and subtract it from their check . Pretty sure that's standard for the industry . It's not a happy memory for me , I took a beating on that deal :lolhit:

Is this Brians old boat ?

your a tool..

Yes......I am very handy and useful. :drink: (your should be you're......as in "you are".....a contraction)

The owner is responsible to do whatever is required to protect further damage to the boat. Read the fine print on your policy.

The devil is in the details ! It will take at least 6 months to settle, I unfortunately have 1st hand knowledge.

For some reason insurance companies get a little pissy when they have to pay a claim the first week of ownership.

Nobody got hurt, everyone walked away... still damn shame nice boat.

Glad everyone is ok,the owner of the boat is a member of this board so maybe we should lighten up a little.

took 6 months for me to get a check from Markel :angry-smiley-038:

Good grief..........sad looking pics. Glad everyone is ok.

Is that Stromigers old Cig????

its gonna make a mess out of the motors by sitting. they were smart by pulling the blowers and I hope the plugs drain the oil, then leave the plugs out put oil back in and flush it out a few times by turning it over by hand or battery. then spray oil every where inside the motor and as soon as its back in your shop pull them apart. man glad everyone was ok , sounds like you were doing 50 and not high speeds. at 50 you bounce on the water at 70 or above you break body parts and can die, been there.

Where did you get this information??? I have seen several boats rolled, recovered, motors gone through, electronics replaced and boat is back on the water.

There is a certain 36' Skater that everyone on here has knowledge about that was back on the water in less than 10 days after it was rolled, submerged, towed back and recovered.

Yes that is Strogminger's old boat. Glad everyone is ok.

Yea I stand corrected --boats that are submerged dont get "totaled"

OH MAN:party-smiley-004:

totaled as in unrepairable, or totaled as in in access of value to return to running?

total loss---insurance pays a determined value of the property...sends check and takes property and sells it as junk at salvage auction.

+1 . . . . submerging does not necessarily mean automatic total. Heck my ScarabIII sank at my dock with motors under water and i had that boat back in use in five days. Rolled/sank a race boat or two and had them back up an runnin in hours. Most of the control electronics are totally sealed and can take the submersion, its what you do to it after its raised that makes the difference. I would bet a 525EFI would run underwater if ya could get air to it :D. Things like gauges, starters, alternators etc dont like to be underwater but that can be dealt with if ya get to it soon enough.

I am not to argue w you but its obvious race boats do NOT have full coverage on them so this does NOT apply, as well as private people who choose to operate their boats with NO insurance.( no ins you sink it at dock--do i expect you throw the boat away--no...you dry that SOB out and access damage and fix it asap so you can be out on the water!)Insured Boats that get submerged and ingest water are for sure totaled, as a 525 thats in a accident like this its going to ingest water and insurance is not going to repair it and accept the liability of water damage nor it rearing its ugly head in the future. I never said they cant and wont be used again, i am talking about Insurance claims in the private recreational boat arena.

I have insurance and have had on all my boats with never a single claim. :D

Kilr i wasnt aiming that post at you directly just throwing my 2 cents in on the subject. Dealing with isn companies in my biz all the time on this very thing and and weather it is totaled is, many times, actually something that is negotiated through the process between insurance company and the owner.

Understood---and like you I for sure avoid ins claims by all means necessarysave it for that rainy day contrary to some.

I sen a guy not winterize his boat and then call his insurance co up and put a claim in for a new motor--20ft formula w a SBC they gave him $6-7k to replace motor. I just scratch my head and wonder!!!

:D Thats nothing, i saw one doosce bag simply blow a trans on his poorly maintained TRS boat then fake an entire hard grounding by bolting a bunch of wrecked junk parts on the boat and sticking his ins company with a gigantic bill for new everything. Fuk i actually had a log strike once on my Scorpion killing the whole starboard driveline including motor (floated valve) and i just paid it my self. I'm saving any claim for when i truly need it. Saw the froze motor gig to :rolleyes: crazy chiit . . . . an you an I hafta pay for it

How does it work, I have car insurance and my umbrella, I drive your car and get in an accident my insurance follows me. Would the same thing happen with a boat if I have boat insurance or can a claim be denied because I wasn't listed on the policy.

be very careful when driving a boat your not listed on. Long story short a friend of mine and his bro in law were out running bro in laws boat. Friend (very experienced multi boat owner with his own ins of all kinds) got behind the wheel and had an accident when they came up on some poorly marked fish nets. Some substantial injuries on some passengers (everyone pretty much 100% recovered) and a ridiculous year plus long battle between everyone's insurance companies including the fishing company. Many many dollars were spent on legal BS simply pointing the finger at everyone elses insurance to pay.

So the driver's insurance didn't cover the accident or did it cover only him and the boat owners covered the rest. I can imagine things like that can get very involved. They always want the premium and never want to pay.

everyone involved had every kind of insurance you could get. Boat policys, med policys, home owners, etc . . . if i remember, everyones insurance was pointing at everyone elses police to pay. Boat ins didnt want to pay because driver wasnt listed. driver wanted his ins to pay but he was not on his boat. Owners boat ins wanted personal med ins to pick up tab blah blah blah. Came down to a lot of wasted layer money from everyone trying to avoid paying. HUGE mess and in the end it ended up being what they were trying to push through in the first place or something like that. He's on the board here maybe he'll chime in.

I've handled a number of claims well in excess of $50k and always was paid within 45 days.

Being an owner of a bodyshop I handle claims every day and know the ins and outs. Most boat 'bodyshops' never deal with an insurance company.

Get somebody in your area in your corner.