Pictures of broken Lower Units.

[jmpereira]

Re: Pictures of broken Lower Units.

hey bondo, would you like me to send you a couple of pictures??? <br /><br />joe

 

[Doug Durako]

Re: Pictures of broken Lower Units.

jmp-----if you really never got the copy of your insurance policy, that is a violation of state statute in most states and you should call your agent. He/She most likely has something called "errors and ommissions" coverage which may pay on this claim if he/she in fact never delivered this policy to you.<br /><br />Just something else to think about.<br /><br />I hope most of the people following this discussion realize that insurance companies now have 24-hour toll-free lines for reporting claims. When you hear a loud "bang" and you call for a tow, the next call should be your insurance carrier. They are much easier to deal with if the claim is reported immediately.

 

[jmpereira]

Re: Pictures of broken Lower Units.

BD, I agree, and believe me, I called this in as soon as I knew there was a problem. The unfortunate part is that the marina was fooling around with winter storage. All this is spilt milk. <br /><br />In any case I filed with the Insurance commission last Friday, so the wheels are in motion.

 

[jmpereira]

Re: Pictures of broken Lower Units.

db, All I ever got the coverage sheet listing the options and the cost of the insurance I purchased... for that matter, when I got my first letter from them grossing about the time it took to file the claim, the sited section D (I think) if the policy. I tore the house up looking for the policy and I could not find it. In the end, I did a web search and found a reference to that section from some other insurance company. <br /><br />I know when I renew my house/car insurance I get new policies. I will chase this down. <br /><br />joe.

 

[Bondo]

Re: Pictures of broken Lower Units.

Hey Joe,<br />Pictures would be Great, But send them to one of the Guys who Know how to post them....<br />'Cause I Sure Don't....<br />Seeing's that I've been doing such a Great Job, I'll continue to be Your Insurance Guy....<br />Insurance Guy's scenario;<br />1) You Had a water Leak Before you went out..<br />2) You went out Anyway,+ Hot Rodded the boat..("30 minutes at WOT")<br />3) As the outdrive is Trying to hold itself together, with Not Enough Oil + Too Much Water, BANG !!!!!<br />This is when Most of your Problems occured.... Siezed Bearings, Shifter cable buckled,+ No Doubt, Some sort of Crack in the Cases...<br /><br />Your Mechanic's Theory doesn't hold water, because the Bearing Siezed First....<br />After the Bang, the Shaft was no longer Turning....<br /><br />The Cable,+ Clip are Results , Not the Cause ....<br /> <br />I Wish you the Best of Luck,<br />But, I Still think that your Ying got Yanged,+ You're going to be the one holding the bag....<br />Rodbolt, I think Might have your Only Way Out....

 

[DJ]

Re: Pictures of broken Lower Units.

Joe, Forget the lawyers.<br /><br />You had water in the lower unit. Your fault-no doubt. Lack of maintenance.<br /><br />Don't waste the courts time and embarass yourself.<br /><br />Get it fixed and keep on top of it, from now on.<br /><br />Harsh words, but necessary.

 

[jmpereira]

Re: Pictures of broken Lower Units.

Bondo. I could agree with your scenario. Lets assume the bearing froze and locked up the shaft, thus causing the damage to the lower unit. Replacing the bearing is not covered however the subsequent damage is. Insurance pays for the Casing and replacing the transmission and the shift cable. I pay for the Bearing and shaft. In either case a fair resolution to the claim. <br /><br />The freezing damage claim can be disproved. Their only claim is that because it does not show typical trauma, it must be freezing. For DJ’s benefit this is called “proving a negative”. Which will not fly.<br />joe

 

[steam_mill]

Re: Pictures of broken Lower Units.

Hey jmpereira:<br /><br />You part of the portuguese clan like me?<br /><br />Joe Ferreira

 

[jmpereira]

Re: Pictures of broken Lower Units.

steam Yes I am.. <br />where ru from..

 

[Bondo]

Re: Pictures of broken Lower Units.

jmpereira,<br /><br />You can Try to Argue it Any Way you Please....<br /><br />I'm Saying, Basicly, All of the Trauma Occurred at the Same Precise Second.....<br />The Freezing Can't be Dis-proved....<br />I've Never seen a Marina that Heats those Big Sheds......<br /><br />I'm with DJ, You can do as you Please,<br />But you'll end up Paying for All of it,+ Looking like an Idiot in Court....<br /><br />Get Over It.....<br />Go buy a used or new outdrive,+ Learn From YOUR Mistake..!!!!!<br /><br /> 30 minutes at WOT !!!!!!!!! <br />Geeeeezzzzz, What do you Expect ?????

 

[jmpereira]

Re: Pictures of broken Lower Units.

D.J. You must work for the insurance industry. You show the same ignorance that Claims adjuster shows. Again here are the facts:<br />- 40 Hours of run time on boat. <br />- Oil changed at the start of the season<br />- No rust on the gears<br />- No milky residue in gear case.<br />- Boat inside in a heated garage (three people who will sign an affidavit)<br />- No other boat has had any freezing damage. Boat (marina has 400 other boats)<br /><br />Incidentally all the replies have been constructive except for DJs. I entered my post for help and for the most part, with the exception of one ignorant person, everyone has been very helpful. And btw DJ you are the only one embarrassing your showing your immaturity. <br /><br />DJ, take a lesson from the other people in this tread, they asked questions, and provided helpful dialog. . I really don’t have time and patience to deal with simple-minded Imbeciles such as yourself.

 

[Bondo]

Re: Pictures of broken Lower Units.

Well Joe,<br />I'm Truly Sorry I wrote that email to you, telling you that We were Trying to Help you here.......<br />Because,<br /> I really don’t have time and patience to deal with simple-minded Imbeciles such as yourself !!!!!! <br /><br />It Now appears to Me, That You are the kind of Fellow, Who Only Hear's What He WANTS To Hear.....<br /><br />You're a Newbie Boater, Who Screwed Up....<br />If the TRUTH Hurts, Don't Ask the Question.....<br /><br />If You'd Read the post, You'd See that I, Bondo, wrote it.... I Said I AGREE with DJ......<br />DJ Didn't write it......<br /><br />Right Now, You're pi$$ing Into the Wind........<br />Be Careful, You're Going to get WET.......<br /><br />

Again here are the facts:<br />- 40 Hours of run time on boat. <br />- Oil changed at the start of the season<br />- No rust on the gears<br />- No milky residue in gear case.<br />- Boat inside in a heated garage (three people who will sign an affidavit)<br />- No other boat has had any freezing damage. Boat (marina has 400 other boats)

- 40 Hours of run time on boat. <br />Irrelevant........ <br />- Oil changed at the start of the season<br />Key Word here is "Start"... It Blew Up in October..<br />- No rust on the gears<br />A Residual film of oil would be enough, Irrelevant........ <br />- No milky residue in gear case.<br />Of Course Not... It Ran All Over the Ground...<br />- Boat inside in a heated garage<br />Irrelevant......<br />- No other boat has had any freezing damage. Boat (marina has 400 other boats<br />Irrelevant, We're Not Talking about the Other 399....<br /><br />Go back,+ READ my posts......<br />That IS What Happen.....<br />You can Try to Spin the Facts Anyway you wish.....<br />The Truth Remains the Same......

 

[jmpereira]

Re: Pictures of broken Lower Units.

Hey bondo, I was boating for 30 minutes. the incident happened at WOT... I can understand if they were rejecting the claim for other reasons., but freezing seems to far fetched. <br /><br />Also, the first week of Jan, I was at the marina, and the heater guy was there doing work on the heating system. So this place does have a heated shop. This is the work shop and not the storage shop. (I’ve never heard of indoor mechanics working in freezing weather inside.)<br /><br />In the end $4k is a drop in the buck for me, so it's not the point of money. The point that the Insurance company agreed to cover my boat, and when I put in a claim, the reject it without any proof or concrete evidence for the rejections. The gears were not rusty, the oil was not milky, the boat was kept inside,, the trauma looks line and explosion and not the typical freezing bulging. <br /><br />Thus far the insurance company has refused to record the statements of the service manager and the general manager. They will not pay for addition tear-down. I’m really left with no choice but to force the issue. When it come to court time, I will pay to have the lower unit dismantled and have the gears maga-fluxed. Right now I want to see if we can settle amicably. Again, I’m not asking then to cover the whole thing.<br /><br />Later

 

[Bondo]

Re: Pictures of broken Lower Units.

Yada Yada Yada.......<br /><br />You Don't HAVE a Claim.....

 

[jmpereira]

Re: Pictures of broken Lower Units.

What are you missing here. DJ's premiss is that I did not maintain the boat, and that it was in bad shape. I really take offense to that remark. Low run hours and changing the oil at the begining of the season indicates that the boat is in good condition and that I do maintain it. <br /><br />Let me say it again, if they rejected the claim for the many reasons mentioned here that is acceptable with me, however the claim is rejected for freezing.... There's no proof that was ever water in the gearcase and that the bgoat was exposed to outside weather..<br /><br /> <br />You know what. Never mind, this is getting no where.. some people have been very helpful, but I really can't waist my time debating this...

 

[jmpereira]

Re: Pictures of broken Lower Units.

with few excpetion, this place has been a waaste of my time, How do I get this tread deleted..

 

[Bondo]

Re: Pictures of broken Lower Units.

The Whole Point Is;<br />You Didn't Hit Anything.....<br />Your Boat Broke.......<br /><br />You Have No Claim to Deny....... <br /><br />

What are you missing here??

That's MY Question....

 

[mrn714]

Re: Pictures of broken Lower Units.

WOW

 

[BMDODGE]

Re: Pictures of broken Lower Units.

dito WOW

 

[DJ]

Re: Pictures of broken Lower Units.

Yep, I'm an insurance company employee that thrives on denying legitimate claims. <br />(You could not possibly be farther from the truth. But, hey, that doesn't seem to matter). <br /><br />I won't respond by throwing flames as our freind here seems to want to do.<br /><br />Bondo made the points precisely, some just do not want to listen.<br /><br />But hey, what do I know. I'm just an imbicile.