Re: boat on freeway...
The insurance will say that any 19' bowrider is equivalent to your (insert your make/model here), when in actuality it isn't. Just be prepared to present them with lots of comparable ads. Start collecting the ads now, that way, when the time comes, you can send them a stack.
^^^ I agree 100%
I'm not sure where you are going to be settling at, your home state or NV, but when I had my truck totaled about 5 years ago, I went through the insurance ringer. I found it tough to find comparable vehicles, mileage, features, engine, body, etc, etc, and this was a common Dakota 4dr. The ones I did find the insurance company complained about because they were not the same year, too far away, etc,,,,,, but their comps were far worse, wrong engine, 2dr not 4dr, excessive mileage, stripped interior... A friend advised me to ask them to have it independently appraised and I came out $1500 better. This was when the economy was good though.
Someone told me that they stopped offering appraisals (NV law
) for totaled vehicles, so I'm not sure that would work for you anymore, but it's worth a shot.
I never let the process get the best of me and always spoke with the adjuster in a calm manner. I can tell you one thing, they won't care one bit about how well you took care of the boat, so I wouldn't even go down that path. You have to present a case where you give them the information
they need to get you a higher settlement. As Sergent Friday would say, "just the facts ma'am"
