52 Sedan Bridge crash and sunk in Boston

That is so not necessary. You've got a 52 Sedan Bridge, and can't wait until you return to the dock to get drunk. I just don't get how anyone who captains any vessel, no less with 5 passengers, doesn't comprehend how much responsibility it comes with.
 
SR1.jpgSR2.jpgSR3.jpg
 
At least the electronics were kept dry. I think this boat was on the market for $599,000 when it was listed with Russo. I don't think it sold, but could be wrong. It was listed for 2 seasons and had the $30,000 MAN service completed. This is the second boat to hit a rock pile in that area in the last month. The back side of Spectacle Island scares the crap out of me. There is a "channel" there, but it is not anywhere I'd ever take my boat after drifting around there in my 290 and seeing the charts and depths. He must have hit it on plane and ripped the bottom open as the boat came to a stop in deeper water. Per local source: "Boat operators Facebook page photo says tequila makes my clothes fall off."

Second thought: I bet he pulled a shaft or both right out of the boat. If the rock pile was under water, and he cleared it into deeper water, the hull skipped right over it.
 
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Couldn't sell it so why not sink it and collect the insurance money? Just saying......
 
Bucit said:
Couldn't sell it so why not sink it and collect the insurance money? Just saying......
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Not with 5 passengers on board while drunk. The were thrown forward and he got arrested. Insurance ain't payin.
 
Insurance ain't payin.
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That was the question on my mind.

How'd you get those pix? WOW.
 
rondds said:
That was the question on my mind.

How'd you get those pix? WOW.
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I have connections :wink:
People are talking. Facebook is a wealth of gossip and picture sharing.
The boat sunk at 7 pm and was salvaged the next day.
 
Woody said:
It isn't a given that insurance won't pay, or did you get some inside scoop?
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You are correct, it is not a given, but it is my understanding that they have all the leverage if you commit a crime while destroying their insured property. I certainly would not want to be in that position. It is hard enough to get them to cover any loss these days. They always look for an out or another responsible party.
 
Woody said:
It isn't a given that insurance won't pay, or did you get some inside scoop?
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JV II said:
You are correct, it is not a given, but it is my understanding that they have all the leverage if you commit a crime while destroying their insured property.
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It is unlikely they would not pay to policy limits it is also unlikely they would continue to offer insurance. Here is an explanation from insure,com

"Driving under the influence of alcohol or drugs is illegal, obviously. However, if you drive drunk and cause a car accident, your car insurance policy will pay for damages you cause -- up to the liability limits of your policy. This means your insurance would pay for damages to the light pole you damage or cover the medical bills of someone you injure.

“If you torch your home, you’re intentionally committing a crime. With a DUI, you understand that it’s against the law to drive under the influence, but you don’t expect to get into an accident,” explains Peter Moraga, spokesperson for the Insurance Information Network of California."

http://www.insure.com/car-insurance/insurance-company-pays-for-illegal-acts.html
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MM
 
There was a discussion a few weeks ago regarding when a situation is assistance, or a salvage. this looks like a good example of the latter.
 
Mike, that quote you included says "the damage you cause", and the example implies that it covers damage to other people's property. It's not a given that the insurance would cover damage to your own property. I've never had to deal with it personally, but I've known a few people who (years ago) wrecked their cars DUI and I don't believe that they were reimbursed for the repairs.
 
src said:
Mike, that quote you included says "the damage you cause", and the example implies that it covers damage to other people's property. It's not a given that the insurance would cover damage to your own property. I've never had to deal with it personally, but I've known a few people who (years ago) wrecked their cars DUI and I don't believe that they were reimbursed for the repairs.
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My experience has been just the opposite. In all my years I've never heard of anyone that was 'properly insured' be denied coverage because of an DUI accident. Day dreaming and backing into a tree, driving to fast for conditions and sliding sideways into a tree, or driving under the influence....all about the same, you caused it, except like already said, the insurance company will most likely pay and then cancel you in the DUI situation.
 
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Using car insurance as an analogy may not be that useful. Car insurance coverage varies by state and is a result of a fair amount of "adjustment" by political entities. Boat insurance does not have this influence, and is also based on rules established by maritime law.

Henry


Sent from my iPad using Tapatalk HD
 
I had insurance for many years that the insurance contract and policy stated that if I was in an accident involving my DUI they would cover all claims, including any lien or lease holder, but any claim cash due me was forfeited. So if i owed $20k on a totaled car worth $30k i would not get the $10k after the leinholder was paid off. I don't think those policies are common though. They would have to pay unless they could prove someone did it purposely.

MM
 
Damn, That WAS a beautiful boat, too bad it had an idiot for a captain.
 
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