Broken driveshaft alpha 1

[Fishermark]

Re: Broken driveshaft alpha 1

No insurance. I think I have insurance on everything else I own... and then some. But not on the boat.

 

[DHPMARINE]

Re: Broken driveshaft alpha 1

If you have any insurance at all on the boat (some states you must),just check it for underwater damage coverage.<br /><br />DHP

 

[rabidfish]

Re: Broken driveshaft alpha 1

Or, your homeowners may also cover it.<br />Check with your agent...

 

[TilliamWe]

Re: Broken driveshaft alpha 1

If you have coverage you might want to rethink whether you "hit something" or not. (Don't you remember the rock your wife hit while you were grilling brats onshore?)<br />

Rabidfish, shame on you. Encouraging & promoting insurance fraud is not only wrong, it's illegal. Please be advised that you're on the list! <br /><br /><br />

If you had a recent insurance claim,(for impact with submerged object) you may get this covered under a supplemental claim.

Now that is the ONLY way that you would have a chance to get insurance to pay for it.<br />If the drive had not been recently repaired due to an object strike, the adjuster will look at it, see no damage to the outer case, and then look at the inherent weakness of that shaft, and deny the claim due to latent defect. Sorry

 

[olbuddyjack]

Re: Broken driveshaft alpha 1

A friend recently made a claim for his lower when the gears broke up after he damaged the prop and replaced it. The claim was denied because he didn't have the damaged prop(used it as the core for a rebuilt) to prove a strike.

 

[rabidfish]

Re: Broken driveshaft alpha 1

Oh, believe you me... I am in no way promoting or encouraging fraud. If you didn't hit something, then you didn't... It's that simple!<br /><br />I am just saying... If you weren't in the boat and another family member was driving, they could have hit something, and not wanted to confess for fear of the consequences... It happens all the time.

 

[DHPMARINE]

Re: Broken driveshaft alpha 1

Yeah,they call it 'the brother-in-law syndrome'.<br /><br />DHP

 

[TilliamWe]

Re: Broken driveshaft alpha 1

Rabid, I hear ya on the "fear of the consequences"! Trust me, I deal with that quite a bit in my line of work.<br /><br />I knew you weren't advocating insurance fraud, just wanted to make sure noone took it that way.<br /><br />Oldbuddyjack, there should have been more "proof" than the prop. Such as a bent prop shaft. Marks on the lower unit. I have made an owner produce the damaged prop before I've paid the claim, but I have not denied it entirely if I have inspected everything else & have other "evidence" of collision with an object. I suspect that your friend didn't have any evidence of an impact, and that's why they denied the claim. But I could be wrong!

 

[rabidfish]

Re: Broken driveshaft alpha 1

I agree... I have had several adjusters accept even pictures of a damaged prop, but there must be "some" evidence. I also know that several of the adjusters we work with, know us well enough to accept our word,(collaborating the customer's claims) that there was indeed damage, after all, it's a symbiotic relationship between adjusters and the shops performing the work.<br /><br />When it works, it works well for all involved!

 

[olbuddyjack]

Re: Broken driveshaft alpha 1

TilliamWe, <br />I can't say a lot, I never saw the drive, all my info is second hand. I was curious if showing a reciept for the prop would have helped?<br />I'm thinking more for myself and the future. If I bust up a prop would it be a good idea to notify the insurace co. of the incident(no claim)even if the damage seems minor(like a prop or skeg)and it works ok? Weve been encountering quite a bit of debris here on the Ohio lately and I'm just thinking out loud.<br /><br />Rabidfish, "symbiotic"? Now I gotta go find a dishonary...

 

[TilliamWe]

Re: Broken driveshaft alpha 1

If I bust up a prop would it be a good idea to notify the insurace co. of the incident(no claim)even if the damage seems minor(like a prop or skeg)and it works ok?

In a word: YES<br /><br />Of course if you hit something tomorrow, tell your agent about it, then in August the gear go out, your insurance carrier may not want to cover it as related to the April 2 damage, but it would at least give you a chance <br /><br />You can e-mail me if you want specifics.<br /><br /><br />

it's a symbiotic relationship between adjusters and the shops performing the work.<br /><br />When it works, it works well for all involved<br />

Glad to see you have that attitude <br /><br />So, Fisher, sorry to hijack your thread, have you any more of an idea why it failed?