Insurance caution

Discussion in 'General Fishing' started by Larry Williams, Dec 6, 2021.

  1. Larry Williams

    Larry Williams Well-Known Member

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    #1 Larry Williams, Dec 6, 2021
    Last edited: Dec 7, 2021
  2. 1fishnfool

    1fishnfool Well-Known Member

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    Wouldn`t the other drivers insurance cover it if he rear ended you?I honestly would not expect it to cover my boat out of water on the trailer,but that is just my thinking.
     
  3. William Ritchie

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    Check with your auto insurance I know mine works for towing . If the other driver was uninsured your uninsured motorist clause should work . Hope there were no injuries ,and all are OK . I always am apprehensive about others attention to boats when I tow particularly long distances . Good Luck . WR
     
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  4. Larry M

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    Check your auto insurance it may cover it since it was being towed with your vehicle.
     
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  5. oh da shiz

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    Larry Williams Sorry this happened to you.

    I’m in the insurance industry and your auto insurance will not cover the boat itself for damages. If you clip something while towing your boat, then your auto policy will pay for damages caused by the boat or trailer for liability.

    I’m surprised that GEICO is denying coverage for this. This type of accident actually happens a lot more than people think. Losses to boats do occur while on the trailer, on land.

    If you’d like to discuss this offline feel free to PM me and I can see what I can do to assist you.
     
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  6. afishnsea

    afishnsea Well-Known Member

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    #6 afishnsea, Dec 6, 2021
    Last edited: Dec 31, 2021
  7. dmorgan3

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    Do you have both auto and boat insurance with them so at least they can't claim the other company's policy should cover it? If they claimed you had complete coverage, push them on why it is not covered by at least one of the policies.

    Nothing at About Boat Insurance ~ What is boat insurance and what does it cover? | GEICO :that states a rear ender would not be covered. Did you decline any options that might have covered towing? They should have at least offered an option for coverage.
     
  8. Tony Vegas

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    If you were rear ended shouldn't their insurance cover...unless you shady brake checkin ppl.......but for real though why wouldn't the other party's insurance cover the damage Were you at fault? Was the other motorist insured? CA has laws about coverage minimums and part of that is property damage. Id hire a lawyer and go after the guys insurance company to pay out......
     
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