High winds pull new boat off trailer on highway

tpenfield

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Re: High winds pull new boat off trailer on highway

The trailer and all was torn off the guys vehicle. With the size of the boat I would start thinking the tow vehicle did not have the correct size hitch installed. I don't see insurance fixing this one.

Why would insurance not pay for this? That's what insurance is for.

Per the Admiral, who does commercial and personal lines insurance, the insurance company will pay . . . assuming the guy had it insured at the time. . . :noidea:
 

BigDfromTN

Petty Officer 1st Class
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Re: High winds pull new boat off trailer on highway

Per the Admiral, who does commercial and personal lines insurance, the insurance company will pay . . . assuming the guy had it insured at the time. . . :noidea:

Agreed. Assuming amount of damage was over deductible. If not properly hitched, (likely) there may not be much damage?

Fortunately for policyholders insurance policies do not have a "Dumb A@@" exclusion.
 

alldodge

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Re: High winds pull new boat off trailer on highway

Per the Admiral, who does commercial and personal lines insurance, the insurance company will pay . . . assuming the guy had it insured at the time. . . :noidea:

I hope he had it insured, would hate to see him doing it on his own. Always heard (much like rumors) if the boat stays attached it's covered, but if it doesn't and fault is found (wrong size hitch) they will not, or at least a hefty penalty.
 

gtochris

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Re: High winds pull new boat off trailer on highway

Keep in mind we had 40 MHP winds with gusts hitting 60 MPH. I never would have tried to pull a trailer in that wind.
I agree. I was getting blown all over the highway last night in my SUV doing 65 and the 18 wheelers were tracking a bit sideways, I wouldn't want to be towing recreational either!
Looks like a beautiful Chap, probably OK since it appears it stayed on the trailer.
 

tazrig

Lieutenant Commander
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Re: High winds pull new boat off trailer on highway

What ever caused it.... Who ever caused it.... Whether the owner is insured or not.... Thats just plain painful to look at! :eek:
 

redneck joe

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Re: High winds pull new boat off trailer on highway

Easy for you to say, er, type... :D

That is my of saying I do not know that acronym, I even googled it, sigh.

me too. Unusual for urbandictionary.com not to have it.
 

smokeonthewater

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Re: High winds pull new boat off trailer on highway

Me too... no clue ???
You guys gotta understand though... H-C is a little off... good guy, just a little misguided on occasion.... Crappie for BAIT! SHEESH!

:lol: J/K :lol:
 

BigDfromTN

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Re: High winds pull new boat off trailer on highway

I hope he had it insured, would hate to see him doing it on his own. Always heard (much like rumors) if the boat stays attached it's covered, but if it doesn't and fault is found (wrong size hitch) they will not, or at least a hefty penalty.

While hitched it is covered... BUT for Liability ONLY. If it comes disconnected and does damage to others... Liability of tow vehicle still pays. Damage to boat or trailer are only covered by a boat policy. If new owner financed the purchase, It was insured. Leinholders dont let it off the lot without insurance. Just like any new vehicle.
 
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screwloose

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Aug 12, 2012
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Re: High winds pull new boat off trailer on highway

I've seen two cases where a trailer came off the ball and the ball was the correct size.
One was a 24' Mastercraft on a matching painted trailer, the guy cut a corner going into a shopping center and dropped the trailer into a ditch, the trailer tried to roll over and the ball snapped off at the neck, after nearly removing the rear bumper it was attached too.
I was right behind the guy when it happened. Although he was nuts for towing that on a bumper hitch, the ball is what gave way.

The second one was about 3 weeks ago, a guy was towing a 16' fiberglass runabout he had just bought online and got caught in the snow we had that week. He was traveling along a major road, came through an intersection where the lane ended and merged to the left. He somehow got the trailer to fishtail and come around on the slick road and when it did it rolled over onto the grassy shoulder. The trailer went up on its side, broke free of the ball, and continued in reverse into some light brush. The trailer stopped when it hit the brush, the boat continued another 60' or so into the brush and finally against a few small trees. The curb dislodged the trailer axle from the springs, it spread spring leaves all over the highway, both tires blew out, and when I walked over to see what happened it was obvious that the trailer coupler had failed, the little tongue that latches to the ball had bent, distorted and let go of the ball. The ball looked brand new and was a name brand. The trailer was about 5 years old and didn't look to have been in bad condition.
The coupler was bent to the right a bit, and stretched forward as well. Both the trailer coupler and ball were clearly marked 2".
It happened within sight of my house, the trailer and boat came to rest in sight of here.
That little tongue or block on most couplers is just stamped steel, with enough force, it can easily bend or give way.

Now, on a straight tow, I'd say it would be unlikely but if that boat on the news rolled first, chances are its possible that either the ball, coupler, or hitch failed. I've also seen a few hitches rip loose both due to improper installation and rust. I replaced the factory hitch on my 2000 Suburban after only four years after I noticed the main tube of the hitch cracking around the weld. I had hitched up my dump trailer and loaded the torsion bars and noticed the ball mount got much closer to the bumper than usual.
It was either just too light or it may have had rusted from the inside out, my guess was that the steel was just too light.

Now, on the other hand, from personal experience, years ago when in my teens, I do know that a towed boat trailer can stop a truck dead in its tracks when it hangs up on a tree stump at about 40 mph, and the ball and hitch never budged. We were horsing around with an old farm truck that had a boat trailer covered with plywood and got to racing through the woods with it, the truck cleared the stump, the trailer didn't, the second cross member back didn't survive too well but the truck and hitch did just fine. It hit so hard that the one door flew open and the steering wheel folded over on both sides. It wasn't even a very big trailer, maybe 15' long or so from an old jon boat, yet it stopped the ton and a half dual wheel farm truck dead in its tracks. The stump was hidden in a muddy puddle of water and when it hit there were two quick impacts, first was the hitch hitting the stump but it cut a groove through the top of it, then the trailer rode up and over it catching firmly enough to take hold. (It weird how you remember things like that).
The ball and hitch were fine, the trailer coupler was fine from what we could tell back then, we never told anyone, we just parked it and never said a word. That was 30+ years ago.
It may well be that things were just built better back then too but that truck had to weigh 7000lbs or so and I know I had it floored in second gear in order to get through a patch of upcoming sugar sand right around the next bend. (We went back a few weeks later and ripped that stump out with a tractor and back hoe with the thought that the next time it could be one of our own vehicles that hit it).
 

smokeonthewater

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Re: High winds pull new boat off trailer on highway

the key being the roll over... the boat in the vid CLEARLY didn't roll and didn't even appear to have sustained any real damage

wind could push it around and if it rolled over it could rim itself off the ball but it didn't even have any tire or wheel damage...... it came off because it wasn't properly attached.... MAYBE a little tail wagging the dog was the trigger but not the root cause.
 

smokeonthewater

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Re: High winds pull new boat off trailer on highway

While hitched it is covered... BUT for Liability ONLY. If it comes disconnected and does damage to others... Liability of tow vehicle still pays. Damage to boat or trailer are only covered by a boat policy. If new owner financed the purchase, It was insured. Leinholders dont let it off the lot without insurance. Just like any new vehicle.

Depends on the policy.... A buddy of mine has full coverage on his truck which covers damage to ANYTHING he is towing up to a certain limit. My policy only covers liability on towed trailers/cargo.

Many times lenders only require you to TELL them you have it insured and who through and will check up later. Also, not everyone gets a loan on a new purchase. Some pay cash and others use a home equity loan or other funding source.
 

Home Cookin'

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Re: High winds pull new boat off trailer on highway

Me too... no clue ???
You guys gotta understand though... H-C is a little off... good guy, just a little misguided on occasion.... Crappie for BAIT! SHEESH!

:lol: J/K :lol:

A friend told me he is moving from Virginia to OK Cityl sad to leave the coastal fishing here and in SC. I asked him to send me his lake catch and I'll put it in my live well for striper and flounder bait.

JSATAIFAM means "just stop and think about it for a minute." Internet posters, yours truly included, often type before thinking, so the phrase comes in handy.

I will accept your comment with grace. As happened with most boys here, as a child I fell overboard and cut my foot on a barnacle climbing out; instead of blood coming out, salt water came in. Still tastes like it.
 

Maclin

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Re: High winds pull new boat off trailer on highway

On this topic, I admit I did get drawn in by that headline. It ended up being not as detailed of a report and as usual raised more questions than anything. I looked for updates at intervals but came up with bupkus. It does seem more like a driving issue of too small a tow vehicle or inexperience with trailering behaviors.

On one outing I was in an unfamiliar park after a good rain and took a corner too short. The trailer with boat and gear went a little sideways into the shallow ditch but I instinctively turned the other way some and powered up. This was just a 15 footer and my tow vehicle had the weight and extra power to maintain control. If the trailer can wag the dog so to speak then there is not much you can do that will keep you out of the headlines.
 

Maclin

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Re: High winds pull new boat off trailer on highway

So,

PLFMFTABWTSPING

(Please Lord forgive me for that and be with the starving pygmies in New Guinea)

Later Gents....
 

Maclin

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Re: High winds pull new boat off trailer on highway

BTW HC, you may be at or over the legal limit for Blood/Seawater levels :lol:
 

Starcraft5834

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Re: High winds pull new boat off trailer on highway

Stomach twinge............:eek: wonder what he was pulling it with? I'm a dipper...dont know about you guys, but I dont pass to many vehicles on the interstate yanking my boat behind... Big rigs that go blowing generate a lot of wind... I've never been blown off the road yet...got to be hitch/ball mismatch...
 

BigDfromTN

Petty Officer 1st Class
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May 16, 2013
Messages
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Re: High winds pull new boat off trailer on highway

Isn't that what insurance is for.:cool:

Yes it is! Along with other things like natural disasters and other dumb a@@es mistakes...

I guess after a few years in this business I just get amazed and sometimes think to my self.... What were you thinking? Or Were you thinking?
 
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