charlg
New Member
- Jan 7, 2007
- 745
- Boat Info
- 2000 280 Sun Sport
/ Raymarine C80 w/ Radar / Sirius weather
/ SH GX5000S VHF
- Engines
- Twin 350 Mags / B1's
/ Corsa exhaust
We take the boat to Cape Cod every year. My wife takes the kids in the car, and I drive the boat down. This year we wanted to visit Cuttyhunk and Martha'a Vineyard. This trip certainly had it's highs and lows.
It started with the boat breaking down an hour into the ride down on Saturday. The port engine could not handle a load over 2,000 RPMs. I limped on one motor from harbor to harbor until I found one that could look at it on Monday. It was a two wire fuel sensor. Three boating days gone.
Next, was the following weekend when we went to Cuttyhunk. Great overnight boat trip. I love it there. When we got back to the harbor, my car had been towed. My wife does not read street signs very well.
The last trip was to the Vineyard. Good day trip. But, my timing sucked I guess. I came back through Wood's Hole (which I had been through all week without a problem) at dead low tide. I was following the channel carefully, but got confused for one minute by a fishing boat that was in the channel. My instinct was to go toward the fishing boat which took me 20' to 3' instantly and we went up and over a pile of rocks. I thought I sunk her.
To my surprise, both engines were still running. I opened the engine hatch and had no water. So we made it back to the mooring. I had no choice to leave her on the mooring for a day and a half until the trip back home.
I drove her back - 5 hours. Most of it was on plane +/- 30 mph. Got her up on the lift to see the damage. Not good. Both skegs are gone. Looks like outdrives were flexed. The paint around the outdrives at the transom is off. One of the strakes is down to the fiberglass. But the worst is a one foot section where the transom meets the hull is pulled away. There are areas of scrapes also.
Here's the question, how do I present this to the insurance company? I'm insured for physical damage up to $45k. But, it says my rating area is inland (I kept the same coverage from my Sundeck). Does that mean I'm not covered for the ocean? Should I have contacted the Coast Guard? I had some guys tell me it might be totalled?
I'm sick over this.
It started with the boat breaking down an hour into the ride down on Saturday. The port engine could not handle a load over 2,000 RPMs. I limped on one motor from harbor to harbor until I found one that could look at it on Monday. It was a two wire fuel sensor. Three boating days gone.
Next, was the following weekend when we went to Cuttyhunk. Great overnight boat trip. I love it there. When we got back to the harbor, my car had been towed. My wife does not read street signs very well.
The last trip was to the Vineyard. Good day trip. But, my timing sucked I guess. I came back through Wood's Hole (which I had been through all week without a problem) at dead low tide. I was following the channel carefully, but got confused for one minute by a fishing boat that was in the channel. My instinct was to go toward the fishing boat which took me 20' to 3' instantly and we went up and over a pile of rocks. I thought I sunk her.
To my surprise, both engines were still running. I opened the engine hatch and had no water. So we made it back to the mooring. I had no choice to leave her on the mooring for a day and a half until the trip back home.
I drove her back - 5 hours. Most of it was on plane +/- 30 mph. Got her up on the lift to see the damage. Not good. Both skegs are gone. Looks like outdrives were flexed. The paint around the outdrives at the transom is off. One of the strakes is down to the fiberglass. But the worst is a one foot section where the transom meets the hull is pulled away. There are areas of scrapes also.
Here's the question, how do I present this to the insurance company? I'm insured for physical damage up to $45k. But, it says my rating area is inland (I kept the same coverage from my Sundeck). Does that mean I'm not covered for the ocean? Should I have contacted the Coast Guard? I had some guys tell me it might be totalled?
I'm sick over this.