Pictures of broken Lower Units.

[BMDODGE]

Re: Pictures of broken Lower Units.

LOL !!!!!

 

[jmpereira]

Re: Pictures of broken Lower Units.

Ok, answer me this:<br /><br />A boat is at an idle position and someone reves it up and pops it into gear. The drive shaft breaks. Is it covered??<br /><br />I will say it again; they denied the claim due to freezing. If they denied it because of any of the reasons mention, then I would agree with you guys, even DJ. <br /><br />DJ don't kid yourself, Insurance companies are in the business of managing risk and not in paying claims, All I’m asking for is a little more proof than the word some adjuster who took 1 day insurance course, and to day who has refused to provide me with my case information, my recorded statements, and conduct any further investigation into this claim. <br /><br />what would your course of action be BOHICA?

 

[Bondo]

Re: Pictures of broken Lower Units.

Due to the Design of Outdrives, From the Beginning Right up to Date, The Outdrive Shifting is Tied Directly to the Throttle.......<br /><br />Over-riding this Safety feature,+ Blowing Up your Outdrive is,<br />Operator Error...........<br /><br />You Don't Have a Claim.........

 

[BMDODGE]

Re: Pictures of broken Lower Units.

i agree , "if" you could shift an I/O into gear at any speed other then an idle - you would not only launch the lower end - but also everyone in the boat with you ....

 

[Doug Durako]

Re: Pictures of broken Lower Units.

JMP----go way back to Rodbolt's reply. The only possible claim you have is with Volvo. Look for recalls or bulletins on that seal he mentioned.<br /><br />You are wasting you time with the insurance people. They will hire an engineer that will call this operator error, or a faulty seal, or both. Not covered in most policies, unless you have special watercraft/yacht type of coverage. Since you can't find your policy policy, you really don't know where you stand. Insurance commission will not help you.<br /><br />Since you apparently are not speaking to the adjuster, he/she is certainly not going to help you. They could easily find if there is a parts recall or bulletin on that seal in your drive.

 

[steam_mill]

Re: Pictures of broken Lower Units.

Joe,<br /><br />First off, just been reading your story about your outdrive. Whoever's fault it is, it sucks.<br /><br />All I can tell you is I will soon be reviewing my insurance policy to see what is covered and what is not.<br /><br />Actually, I'm not portuguese at all. My parents are. I was born and grew up and still live in Toronto. My folks are originally from Lisbon. My wife, also born in Tornto is of Azorean background.<br /><br />How about you ?<br /><br />Actually I will not be responding for a couple of weeks. Going down to South Beach for a few days and then a cruise to Mexico.<br /><br />Good luck with your outdrive!! Remember, there's only a few more months 'till boating starts up again!

 

[denniz]

Re: Pictures of broken Lower Units.

BEND the prop and tell your insurance you hit something.

 

[jmpereira]

Re: Pictures of broken Lower Units.

Everyone you all have been very helpful (even DJ). I've received some good insight, but this is really not the forum to debate the finer details of the claims. <br /><br />In the end, they claim freeze damage, and nothing else. I've asked them to substantiate their claim, and they will not, and that's where the problem lies. If they said “hey we deny the claim because you’re a dumb ****, and it’s Operator error”, then I would have lived with that (because the damage looks like trauma and the Mechanic says that it was caused by trauma.) What the mechanic says and the adjuster says are 180 degrees apart and what I’m trying to do is reconcile them. If I don’t I will be left hold the bag.<br /><br />The only thing I’m looking for them to provide is the hard evidence that it’s freeze damage. Some simple pictures of freeze-damaged drives with similar damage would do it for me. I would go away. If they could have provided me this information back in December, then there would have been no need for all this conversation. Hence coming to the forum and asking you all for examples (see #1). Which no one seems to have either.

 

[jmpereira]

Re: Pictures of broken Lower Units.

Rod,<br /><br />You that was another example I was going to give this forum. A boat owner intentally drvies over some rocks and wreacks his lower unit. Is that covered?<br /><br />Steam, yes full blooded. My parents come from the Azores.,,, I was born in Calif.

 

[Doug Durako]

Re: Pictures of broken Lower Units.

JMP----the property portion of insurance covers unforseen accidents, Like hitting something underwater or running into another boat, or blowing yourself up at the dock. The liability portion covers decisions you make behind the wheel of your boat. You don't have to purchase insurance, but if you run over some kid on a jet ski and put him in a wheel chair, his family will own you, and all your relatives, for the rest of their natural lives.<br /><br />Your problem was not unforseen (part 1--seal was going to fail) nor an accident (part 2---it gets below freezing in the winter where you are).<br /><br />You do not get a full warranty for bad parts or faulty seals, or a maintenance policy for your boat for that $200 (or less) annual insurance premium. Last time I checked, an extended vehicle warranty runs about $2500 when you purchase a new car and the only boat that offers a true extended warranty is Cobalt, which is, by the way, transferable to the second owner.<br /><br />The insurance company does not have to prove anything. The conditions section of your policy will clearly state that you must prove your claim. (See my email about 40 responses ago).

 

[jmpereira]

Re: Pictures of broken Lower Units.

DB thanks..<br /><br />Also, I believe that what I’m asking for is minimal. It's should not be more than a 10 minute conversation with a true expert with some true to life examples. If this happened in December we would not be having this conversation today. <br /><br />Again, as I said if it is caused but me being stupid on the lake that's on thing. If it caused by freezing then that's another thing. But I have to stress that I’m between two people saying completely the opposite things. Lets say for a minute that the drive did crack due to freezing while in the marina care. Who is responsible? Me?

 

[Bondo]

Re: Pictures of broken Lower Units.

I would go away.

Joe,<br />This is NOT what Any of Us Want....(from the forums anyway)<br />

A boat owner intentally drvies over some rocks and wreacks his lower unit. Is that covered?

NO, If It was Accidentally Yes....<br />There's a Big Difference.....(in Court Anyway)<br /><br />It's Much Too Late Now...<br />But, In the Very Begining, You Proabably Could have gotten away with Rod Knocking's Idea......

 

[jmpereira]

Re: Pictures of broken Lower Units.

DB, I'm in the process of checking with volvo...<br /><br />Also I am in commications with the insurnace company. <br /><br />I just don't call these guys socially.

 

[jmpereira]

Re: Pictures of broken Lower Units.

bondo, had I known that there was tis much damage i would have done a lot of things different. <br /><br />the only saving grace is that it happened at the end of the season, so I had all winter to sort things out. .