Guests - If You want access to member only forums on HSO. You will gain access only when you sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

Sign in to follow this  
Followers 0
muskiechaser

Question for everyone

24 posts in this topic

Looking for an opinion or two here. My boat submerged and the insurance company totaled it. I have two options, new equivalent boat (not sure how long that takes) or buy it back and take $4725 cash. Everything worked after we got it upright except for the radio, and the boat has got some pretty good scratches on it too. The motor ran once I got the water out of it. It's an '06 Crestliner 1600 Angler and 75 Merc 4 stroke if that makes any difference. The price to buy it back was $8775. What does everyone think? Am I crazy to be considering buying it back?

Share this post


Link to post
Share on other sites

My opinion only......Take the ins money and buy a different boat. Having become a submarine, damage has happened that you don't yet know about. Do you want the little things nickel and dime hassle?

It's just me, but I'd get another boat and kiss this one goodbye.

Share this post


Link to post
Share on other sites

take the insurance money buy it back.trade it in and dont say a thing

Share this post


Link to post
Share on other sites

My look at it would be you could buy it back at $8775 and get $4725 cash. Which with that cash you may have to use to fix your boat. Or you can take the insurance money and buy a new boat. Its just the matter of fact of how much money you get back. You could always get something better or buy the same boat.

thats the way i would look at it

Share this post


Link to post
Share on other sites

Never crazy to consider all the options. What I would do is take new equivalent boat. But that is just what I would do.

Lynn

Share this post


Link to post
Share on other sites

My opinion would be ,,get a new boat if you use it often ,,,reliability would be an issue for me ,,,my son had a car that was submerged for a few hours ran fine after getting the water out of the motor ,,,,but then it was the radio,,,then the lights,,,then the power windows,,,then the gauges,,, door locks etc ,,if its gonna act up it will be some place far away form a mechanic or in inclement weather

Just my 2 cents

Randy

Share this post


Link to post
Share on other sites

new boat = new warranty wink

Share this post


Link to post
Share on other sites

Buy a new rig and let someone else get a "deal" on the damaged one.

Hard to beat the sound of the waves lapping at the sides of a shiny new rig. A good boat can last many years. A bad one is like a plaque.

Share this post


Link to post
Share on other sites

Your premium is going up either way. IMO, new boat, new ins., new everything.....

Your ins. will only total your rig once. If yoiu wreck it or someone wrecks you, its on you if you take that check.

Share this post


Link to post
Share on other sites

New boat. I would bet the old boat will have a slavage title with it so selling it or trading it in could be a hassle.

Share this post


Link to post
Share on other sites

I would also go with a new boat. Save yourself some headaches.

Share this post


Link to post
Share on other sites

New boat for sure. Anything that gets wet like that will surely rust over time. All of your electronics under the dash (if yours has a console) and elsewhere will slowly corrode. Trying to trouble shoot an electrical problem where the corrosion could be anywhere in the wiring system is my idea of a nightmare. I wouldn't even think about buying the old one back.

Share this post


Link to post
Share on other sites

Thanks guys. I think I will follow the overwhelming new boat opinions.

John

Share this post


Link to post
Share on other sites

Your premium is going up either way. IMO, new boat, new ins., new everything.....

Your ins. will only total your rig once. If yoiu wreck it or someone wrecks you, its on you if you take that check.

I agree, maybe look at new agent if your premium goes up. I would go new for all the reasons said here. I had a boat totaled and just took the cash and got a nicer boat. Make sure if you go that route that you take everything you can off the boat. I took all electronics, trolling motor, anchors. Pretty much anything that isn't part of the main structure is fair game. No sense having to replace all that stuff if you don't need to.

Share this post


Link to post
Share on other sites

take the insurance money buy it back.trade it in and dont say a thing

Nice.

Share this post


Link to post
Share on other sites

I too agree with the popular majority, new boat! But I am curious as to how you sank your ship? Don't worry, your dignity is safe here. smile

Share this post


Link to post
Share on other sites

That's a good question. Didn't your boat have appropriate floatation? Technically, it shouldn't be possible to totally submerge it unless you had an oversized motor or something else that exceeded the load carrying capacity.

Bob

Share this post


Link to post
Share on other sites

Quote:
Your ins. will only total your rig once. If yoiu wreck it or someone wrecks you, its on you if you take that check.

Thats the biggest reason I'd oppt for the new rig.

Share this post


Link to post
Share on other sites

Seriously. Now all I can think about is how you sank it? Probably something boring like a thunderstorm, but I need to know.

Share this post


Link to post
Share on other sites

The biggest problem with the boat was that it was upside down in the water. It was tied to the dock at the time, it was left alone for a few hours, when I looked again it was upside down. I'm still not sure how it flipped over. I wish I would have been there to see it (I think). I did make the mistake of parking it with the bow towards shore, giving waves easy access to the back of the boat.

Share this post


Link to post
Share on other sites

Was the motor hot when it went down? The reason I ask is because I drove my truck through deep enough water to suck some into the air intake. Dried it out and it ran fine but 6 months later I blew a head casket. Turns out it warped the heads. You might not discover all the damage right away, maybe 6 months down the road, when it's too late, something else might surface.

Share this post


Link to post
Share on other sites

I don't think so, I assume it had cooled as it sat at the dock.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this  
Followers 0



  • Posts

    •   Well Friday, Saturday, and Sunday have all come and gone. And nothing came, because your link is Zero Hedge.     I just took that straight from Wikipedia. It's amazing home much those last few words just keep showing up.
    • http://www.politifact.com/truth-o-meter/promises/trumpometer/   This is what you are looking for.
    •   Sounds like the House of Reps. who pulled their AHCA (Ryan/Trump  Care) so when their fellow Rep. voted it down every one would know who was against or for it. Now none of them have to explain how they voted, the same as how some on here weasel out of explaining their statements, by reverting to name calling.
    • caught my first fish with a lamprey on it and also got a 35 inch pike on a salamander. 
         
    •   Bafflegab! Hot darn! I like that! Is that like my psychobabble, aka Mayospeak , or to quote Thurber, Pussgrapple or even Cussgravy? I haveta remember that!  "Bafflegab found in this one"?! Go look on the health thread, where yer buddy juicedup gets yammering away at you! ! Now THERE's some  real balderdash and twaddle! Yes, some good, informative threads used to exist here! Once in awhile, you can even run across one! Gotta look hard! 
    • The bite was on last week. With 4 guys we caught over 700 fish in 3.5 days.  And I don't care if anyone believes me or not.  Actually 700 is probably a conservative estimate because we had to have averaged at least 50 fish per person per day and it was probably much more than that.  Yes some of them were 10" saugers but there were many 16 to 20"+ walleye and the crappie size was the nicest I've seen in 4 years with no keepers under 12" and several 13-14" with 2 at 15.25".  All of the pavement pounding and scouting this winter and last week really paid off on this trip!  This is the most hardcore group of guys I fish with and they really know how to put the smackdown on these fish.   
    •   If you guys need fishing advice just ask. I've never had a problem sharing. 
    • Any time I have ever tried that it creates havoc with the sonar until it floats back up the hole and is removed but if anyone has a fix for this let me know.
    • Nonetheless there are some forums here which actually have active informative discussions without all of the bafflegab found in this one. 
  • Our Sponsors