Quote Originally Posted by Herkimer View Post
While we are discussing insurance, a passing car avoided two deer on I80/90, hitting my truck and Lund boat as I was headed to Port Clinton this past Spring. Both total loss, truck covered no problem, no one hurt, but Lund Boat another story. Rather than discuss long details, make sure your boat is covered for “actual retail replacement value”, cost $20-$30 additional. I had “actual cash value” lost a lot of money thinking I was insured for “like” replacement boat.
Just a small tweak on insurance coverage will save you a bunch. My new Lund boat is insured for full retail Replacement value if same scenario happens. ItÂ’s replaced by $$ agreed by insurance company and myself. PLUS all rods reels, electronics,Ulterra, whole shootÂ’n match. (Ie: previous Insurance company insured boat and motor only, no 9.9 kicker, or trolling motor or fish finder.) are now fully insured. Cost was very low.
Lastly, read the fine print, I spent over 1 hour discussing my Erie Lund with agent, coming up with every scenario I could think of, being shown in small print, I’m sufficiently covered. Insurance companies today on “claims“, you are handed over to estimator, many times have no clue on boats, or equipment. Do not know the difference between a Shimano line counter reel or a Zebco reel. Check your insurance policy this winter. Do not repeat my mistake.
My apology for getting off subject....Herk
No apologies needed that is exactly why I have always appreciated this site not just for the fishing facts but the incite from different fisherman and women who share there experience. I am currently thinking of the need to check another insurance company myself , lake Erie boats and trailers and equipment like rods and reels are a specialized coverage and most agents I have seen do not have the knowledge and experience to cover these costly items that we have worked hard to get, and when a unexpected thing like a deer running out in front of you causes you to loose your rig which for an extra $30.00 would have been covered that's just poor due diligence on the agents part not yours .