Re: Insurance will only weld it and paint, is that normal ?
Do you have a local agent? If so, call him and get him involved. Ask him or the adjuster to explain the terms of your policy contract.<br /><br />Before you spend any money ask your agent or adjuster what can be done to help you have piece of mind you need to feel safe in your boat again. Ask what can be done if further damage show up a few weeks or months later. Can the claim be reopenned? Then see if you can do what they suggest. Be sure you get things in writing from him. Document your conversations carefully, especially if there is money out of your pocket for any inspections or estimates.<br />I have heard of cases where the boat owner will need to pay for any cost of estimates or inspections out of their pocket. If damage is found and that damage can be clearly related to the claim, the insurance company may reimburse for the inspection and repairs. Most of the time when I have heard of these situations is when there is no obvious damage to the parts in question. <br />In most cases it's best to get this situation resolved to your satisfaction now. You don't want to go out in your boat wondering if your going to make it back. Regardless of who might pay for it you want to be sure your motor and boat is safe.<br /><br />A couple other alternatives would be to ask for a supervisor. <br />If all else fails most states have an insurance commissioners or similar type government agency to help you. They can sometimes get involved to be sure the insurance adjuster is living up to the complete terms of your policy contract.<br /><br />Remember to document times, dates, and conversation content with all the above. <br />Most companies won't have a problem fixing damage that was clearly part of the accident. <br />Good luck.......
