Wrecked my boat :(

[JShrock07]

> >

Well I was fishing a tournament Wed. night and I honestly do not know what happened but it felt like I hit something HARD with my prop. So I stop the boat looked to see if I may have hit anything but I couldn't find anything around the boat. So I started the motor back up and put her in gear and took off back to the ramp. When I took off the warning buzzer was beeping and I didn't know how to shut it off. So I kept going. Once I got the boat close to the ramp I stoppped the boat and then took off again, The buzzer was still sounding. I was so worried I wouldn't make it back to the ramp. It was already dark so I gimped her back.

I just called the insurance company and I was hoping that they would cover it and they claim that they will. I am just worried that they won't cover it. If anyone has any info on this let me know. If it is only $250 deductible that I have to pay I will be fine but I'm not sure what to do.

[-HAWK-]

What was damaged? Did you inspect the boat once you had it on the trailer to see exactly what needs to be fixed?

[billbo]

That's what you pay insurance for.  If they do not cover it something is bad wrong with the insurance company. I hit a stump one time and they had to replace the lower unit. No problems.

[Low_Budget_Hooker]

Prop? lower unit? hull damage?

[JShrock07]

I have an stainless steel prop on the boat and it is all tore up. I do not know anything about checking the lower unit, but one thing that I did see is that there is visible oil coming from the exhuast in the prop.

[A.Do?]

That sux! Hope the insurance comes through for you so you're back on the water in no time!

[kbkindle]

I have an stainless steel prop on the boat and it is all tore up. I do not know anything about checking the lower unit, but one thing that I did see is that there is visible oil coming from the exhuast in the prop.

i would say you done more damage than a prop if you hit something that hard just make sure you take it to a good mech and have him tear it down before you give estimate to ins co.you dont want to miss any thing the ins co would pay for some thing missed but you will be down another week. i have never dealt with a ins co that did not have  impact ins. in there policy maybe there is so better check with your ins co. first   better safe that  sorrow

[mayassa]

Did the SS prop come with the boat?

[firefightn15]

Nitro, sorry to hear tht man.  Agreed, make sure and have the lower unit gone through completely.  Get it done on the first shot.  Good luck, I hope your up and running soon.  

ff15

[JShrock07]

I have not changed the prop since I bought the boat last year. I actually have not done anything with the motor yet. I'm waiting to hear back from the ins. Co. :-[

[Sam]

Nitro,

Sorry to hear the news but glad you are OK and there was not any major damage to the hull.

Your insurance carrier will ask you to take the boat to a repair shop of either your choice or their suggestion. So ask the adjustor if he knows of a good repair shop.

If you have to select the repair shop, please go to one that is a Certified Dealer and Repair Facility for your brand of motor, be it a Mercury, Yamaha, etc. dealer.

Have the repair shop check the hull and the stern to make sure the motor did not damage the rear of the boat when it hit the underwater object.

And have a tune up of the motor included in the repairs to make sure nothing was damaged and the compression is still within the acceptable range.

Good luck and let us know what the insurance company tells  you to do and how you make out.  

[JShrock07]

Sam,

Do you know of a good shop??

[Sam]

Sanderson's down in Hopewell or Cooper's near the new Bass Pro Shop off Lewistown Road for your motor.

Pop's Marine outside of Williamsburg in Toano is another place.

Sanderson's is the place most guys go although I go to Jerry Cooper.

As for up your way, can you find a local dealer in your area that sells and services your motor's brand?

What brand is your motor?

[JShrock07]

Its is a Mercury/Tracker motor 115hp 1995 year

[cart7t]

If that's a newer boat with composite construction I'd definitely have it checked out.  While composites don't rot like wood they also don't flex like wood either if you strike something.  They're known to crack.  

[JShrock07]

Great just what I wanted to hear!  :-/

[DADto4]

Take the suggestions to heart on having the boat completely checked out by a couple certified shops BEFORE you give ANY estimates to your ins. otherwise if something was missed you may not be able to issue another claim on this (wreck).

Also you may have to issue more than 1 est.meaning more than 1 shop,this favors you, so now you have more than one set of eyes to check it out.

Good luck and sorry to hear about your misfortune :'(