My boating done for year

Yendor said:
I am very happy for you, that is what your experience leads you to believe.
I'm guessing that things have changed since you were two yrs out of college, as the entire industry now seems to revolve around dodging Liability. Go back far enough, and everybody pretty much honored what was 'fair and reasonable'.
That seems to be gone with the wind, much like Common Sense.

It would be quite foolish to overlook the fact that the Ins Companies report to stock holders, and by necessity pay out BIG claims at times. The only way they are able to do this is to cheat, slight, and/or underpay somebody along the way. As a casual observer it looks to me like those people are the ones that are 'under represented' (a radical understatement). Anybody is more than welcome to dispute that premise at their own peril.

Like PG, I would much rather opt to make every possible effort to avoid anything involving lawyers.
Still, there are times when it is the prudent thing to do whether we like it or not.

They may well take a third, but that is their incentive to increase the number,
which ultimately is for your long term benefit and well being.
Their 'number' is irrelevant in the big picture, and not worth getting a heart-burn over.
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I was never coached, trained or mentored to "cheat, slight, and/or underpay somebody along the way". For a claim like this one we had to set initial reserves on what we thought the claim payout would eventually be, in most cases leadership would ask us to raise those reserves. I paid out multi million dollar claims too. Sadly, once they hire an attorney, the insurance has to as well, costs go up, which trickle down to your overall insurance costs.

The "extra" money anyone gets, from my experience, goes to the attorney, not you. And in most cases you lose money because you pay the attorney from the proceeds. And once you hire an attorney you can no longer communicate directly with the insurance company. An example: at fault auto accident, set medical reserves at $25k, pain and suffering settlement reserve at $60k, total reserve $85k. Claimant hires an attorney and we settled at, you guessed it, $60k and we paid all of the medical bills. Claimant lost 33% of $60 to pay the attorney. NEVER made sense to me.

In my ex-wife case we ONLY hired an attorney because the driver that hit her did not have insurance and he was disputing the red light, trying to say it was green for him. The attorney was able to find insurance we were not aware of (our uninsured motorist coverage), got everything paid, then took his 1/3.

@Pirate Lady sit tight, get your wife better, get a replacement car, etc. focus on that. If the other drivers insurance company has accepted liability and is paying the claim, let them pay, including a rental car no now if you need one. Don't rush out to get an attorney. Don't be greedy either, there are laws that protect you, you don't need an attorney for everything. Regarding greedy it was common for folks to dispute the value of their car when it was a total loss (which yours obviously is) . The #'s the Insurance company will give are backed by data. Because a car was so special to the owner and they changed the oil regularly and took it to the car wash monthly, doesn't make it more valuable.
 
mrsrobinson said:
I was never coached, trained or mentored to "cheat, slight, and/or underpay somebody along the way". For a claim like this one we had to set initial reserves on what we thought the claim payout would eventually be, in most cases leadership would ask us to raise those reserves. I paid out multi million dollar claims too. Sadly, once they hire an attorney, the insurance has to as well, costs go up, which trickle down to your overall insurance costs.

The "extra" money anyone gets, from my experience, goes to the attorney, not you. And in most cases you lose money because you pay the attorney from the proceeds. And once you hire an attorney you can no longer communicate directly with the insurance company. An example: at fault auto accident, set medical reserves at $25k, pain and suffering settlement reserve at $60k, total reserve $85k. Claimant hires an attorney and we settled at, you guessed it, $60k and we paid all of the medical bills. Claimant lost 33% of $60 to pay the attorney. NEVER made sense to me.

In my ex-wife case we ONLY hired an attorney because the driver that hit her did not have insurance and he was disputing the red light, trying to say it was green for him. The attorney was able to find insurance we were not aware of (our uninsured motorist coverage), got everything paid, then took his 1/3.

@Pirate Lady sit tight, get your wife better, get a replacement car, etc. focus on that. If the other drivers insurance company has accepted liability and is paying the claim, let them pay. Don't rush out to get an attorney.
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Last paragraph—— exactly what i told wife and daughter last evening. Sue for what? Maybe they will pay everything. Way way to early to get into that. You are 100% right.
 
Shenanigans77 said:
Man I dunno. Id say the high strength steel in the A post, cowl side, and B post saved the day. Those areas of cars are loaded with high tensile strength boron these days. That looked like a tahoe or suburban? That 2.5x the size of that car. Kept that vehicle from fully entering the passenger compartment.

View attachment 147969

Regardless glad she is going to be ok. Sheetmetal can be replaced, loved ones cannot
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2016 Suburban. Cops estimated speed at 40mph. You guys are good at estimating.
 
mrsrobinson said:
I was never coached, trained or mentored to "cheat, slight, and/or underpay somebody along the way". For a claim like this one we had to set initial reserves on what we thought the claim payout would eventually be, in most cases leadership would ask us to raise those reserves. I paid out multi million dollar claims too. Sadly, once they hire an attorney, the insurance has to as well, costs go up, which trickle down to your overall insurance costs.

The "extra" money anyone gets, from my experience, goes to the attorney, not you. And in most cases you lose money because you pay the attorney from the proceeds. And once you hire an attorney you can no longer communicate directly with the insurance company. An example: at fault auto accident, set medical reserves at $25k, pain and suffering settlement reserve at $60k, total reserve $85k. Claimant hires an attorney and we settled at, you guessed it, $60k and we paid all of the medical bills. Claimant lost 33% of $60 to pay the attorney. NEVER made sense to me.

In my ex-wife case we ONLY hired an attorney because the driver that hit her did not have insurance and he was disputing the red light, trying to say it was green for him. The attorney was able to find insurance we were not aware of (our uninsured motorist coverage), got everything paid, then took his 1/3.

@Pirate Lady sit tight, get your wife better, get a replacement car, etc. focus on that. If the other drivers insurance company has accepted liability and is paying the claim, let them pay. Don't rush out to get an attorney.
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Greg, this has been my experience when dealing with insurance both with personal insurance and in my career dealing with commercial insurance. I have a lot of friends that are attorneys, having spent 6 years as CFO of an 80 attorney firm. Their advice has always been to handle it myself if possible and save the attorney's fees. The only insurance company I have had an issue with is "The General". The General's business practices are out of the norm for the industry, they are scum. When my son was hit by one of the General's insured, they did everything to deny coverage. Ultimately, my insurance paid and I subrogated my claim against the General to them. They sued and got paid.
 
This may become long thread. I saw her this morning and thought no way she comes home soon.
Just called, they moving her to a rehab place. Hopefully she can the one on the Hopkins campus where she is, 15 mins from home otherwise its gonna be downtown.
 
Pirate Lady said:
This may become long thread. I saw her this morning and thought no way she comes home soon.
Just called, they moving her to a rehab place. Hopefully she can the one on the Hopkins campus where she is, 15 mins from home otherwise its gonna be downtown.
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Not needing surgery and going to rehab already is a good sign. Glad to hear it!
 
Pirate Lady said:
We were so fired up to go. Biggest bash of the season. Who knows, I may take the boat alone if she doesn’t mind. I certainly can handle it alone.
They always have dock boys to help. You got me thinking.
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So what you are saying is your boating is not done for the year after all. :rolleyes:
 
It is, we looking at months not days or weeks before she comes home.
She is going on 6 months short term disability. Original plan to retire at end of year. Her working days are over.
I could take boat out alone but no fun in that.
Least of my thoughts now. Will run it once a week to keep the bottom clean. But that’s about it.
 
Pirate Lady said:
It is, we looking at months not days or weeks before she comes home.
She is going on 6 months short term disability. Original plan to retire at end of year. Her working days are over.
I could take boat out alone but no fun in that.
Least of my thoughts now. Will run it once a week to keep the bottom clean. But that’s about it.
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That’s not good. Hopefully the recovery is faster than that first estimate.
 
I would consider hauling and blocking the boat so you are not anxious about needing to run it.
 
mrsrobinson said:
I would consider hauling and blocking the boat so you are not anxious about needing to run it.
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Still not sure where for winter.
1. My marina, have my mechanic who installed my new outdrive come to winterize engine, service outdrive.
2. His marina, where I kept it last winter. Easier for him to service.
Too early to get prices to balance out costs. If not use much by time I know this, i may pull it. Probably september.
 
If you are not going to use it, halling it is probably a good idea.
We use our boat twice a year and keep it on land when not in use. It does well out of water and we do not have to visit it when not in water. The bottom paint was put on in 2013 and now needs redoing. We go out for 2 month in spring and a month in the fall. We used to keep it in the water and every year we halled it and bottom painted it.
 
Sorry this happened Pirate, hope she has a speedy recovery!
 
Pirate Lady said:
Still not sure where for winter.
1. My marina, have my mechanic who installed my new outdrive come to winterize engine, service outdrive.
2. His marina, where I kept it last winter. Easier for him to service.
Too early to get prices to balance out costs. If not use much by time I know this, i may pull it. Probably september.
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I would hesitate to haul it. Not sure how far away you are. But years ago, kid broke his hip and was in a body cast for the summer. I basically tightened everything up, closed sea cocks etc. Gave my number to my boat neighbor and said call me if it sinks. Even then I still made it up a few times to run the engines and such. If only to get away from wiping the kids butt. :)

As the days and weeks go by I think you find she’ll be doing better and better which will free you up.
 
Stay strong . You will be alright
 
I don’t want to sound callous but maybe leave the boat in the water. As much as your wife needs you by her side, you can’t do that 24/7 and a boat ride now and then might help you stay sane.
 
Pirate Lady said:
Wife got Tboned by a truck that ran red light this morning on way to work. In hospital tramau section, multiple hip fractures, concussion, may need surgery, i cant see her til morning, she awake i talked to her by phone. Firemen had to cut her out the Elantra. spun her into another truck on the right caved the ass end, blew out all the glass.
May need surgery. More tests needed. Wont be climbing on a boat for quite a while.
car totaled only a year old.
Not care about the boat right now but i swear i cant get thru one full boat summer with use of it.
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May you be healed prayers up and blessings down
 
Prayers for your wifes full and speedy recovery.
 
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