*Have you ever had a boat accident or insurance nightmare with a boat? Side note - it's crazy how watching this back I can think of 10 other things I could have done differently.* 😒 Go ahead and let me hear it on this one 😬
My friend had a good friend who was going blind with macular degeneration. Almost totally blind, but really bummed that he couldn't take his boat out. Our mutual buddy is no ship Captain, and Murpheys law the boat caught on fire, and they had to jump overboard. Be careful out there.
Ok since you asked , 1. I would have tilted the outdrive up a little to protect the prop from the rocks. Not all the way but just enough to still have a little thrust without hitting rocks. The higher you raise the prop the less thrust you'll have. 45 degrees of tilt still has a little thrust and it's not going to hit the rocks. . 2 start the kicker and go full throttle. Who cares if it ruins the prop.
sorry for your accident, but this video will be the calling card for those who mock Livescopers for paying attention to their screen to the point of paying attention to nothing else around them (like driving right into a rock island) glad you guys were safe, that's what's important...Full props to you for posting though, we all make mistakes, hopefully this stops somebody else from doing something similar!
Was in my buddies boat while he was staring at his livescope screen and we were in a strong river current ... drifted right into a Buoy mid ship! LOL. He said "I was staring at my screen and not watching our drift".
Yea i went fishing for an entire season on a big piece of dock styrofoam.. i just dug it out a little in the middle and v’d the bottom a little then paddled out in the lake.. it was pretty squeaky and everytime youd move apart of the thing would chip off…
The damages on your boat are about 1/4th of how beat up my 1995 Lund Pro-v currently is. Goes to show how tough Lund boats are. Could you imagine being in a fiberglass boat while that happened?!
Well that Sucked. Shit Happens. How you handle it as the Shit is Flying is what mattered. Your Super Power was remaining Calm. That way you can try Options and work out a Solution. F the UA-cam Couch Fisherman who just hurl insults. What Fisherman hasn’t fished a Lee Shore in a breeze? Using LiveScope doesn’t mean you run up on rocks. Dumb Asses with access to a keyboard! Your Crew did well. I would pull my Garmin Transducer, iPad Mount, trailer additions and empty all lockers before the Insurance visit. Be well.
Hey man I'm not being mean. But you were definitely way to close to those rocks. I'm sure you learned a valuable lesson. Never play with wind and rocks bro. The lund boats are tough as nails. You got lucky. With all those electronics on there this never should have happened. 6 ft or less on the windy side of rocks is definitely a rookie move. Glad you're safe.
Following... and thanks for sharing the experience. Storm winds flipped an aluminum dock over at a resort I was staying at and docked. Dock legs doing comparable damage to my 99 Lund on the hull side, rub rails, transom exterior and cover. I am navigating a claim with Allstate now myself.
Agreed, fortunately I am making progress with them (but it is getting totaled out). Once the insurance piece is all wrapped up I'll put out a shorter video on the resolution and things that I learned to hopefully help others if they find themselves in this situation either when on the water or working with insurance.
Don't ever buy an I/O, get an outboard. Always carry two anchor systems one galvanized and one aluminum. Have flares and a flare gun with ample extra flares. A marine radio is a must including a membership to seatow. Forget about all your fancy electronics until you take a Coast guard approved boating class. When you take that class make sure you pay attention and take notes. Buy a good chartplotter and learn how to proficiently use it. The chartplotter will have circles with red lines through it indicating it is a dangerous area. do not, and I repeat, do not go in those areas. Make sure you set your chart plotter for an audible warning beep in foul areas. When you hear that beep, turn around and go back. Good luck 👍
He just wanted another boat and get the insurance to pay for it… with livescope, and spot lock and you didn’t saw the rocks? For people like you, we pay a lot more in insurance every year.
Living basically on Lake Michigan most of my life, I've seen a lot of these situations. Seen numerous boats that misjudged the harbor navigation lights, hitting the pier at 20+ MPH. In 2008, I was heading out with my fiancé to watch the fireworks and took a small wave over the bow. I kicked the outdrive up a bit and hit the gas to bring the bow up until we could get on the downwind side of the harbor. Heard a loud clunk that was the coupler breaking. Wind was pushing us quickly to the rocks, but fortunately there was 1 boat 100 yards behind us and the saw what was happening immediately. By the time we were hooked up to them, we were 20 yards away from the rocks in 4-5 foot waves. Glad you are safe and sorry about the insurance woes.
Wow, glad you guys are ok and were able to make it back. Be safe out there, at least it happened towards the end of the season. Can't wait to see the ice fishing vidz!
Thank you! Yes, it forced me into ice season mode a bit early, but I have no problem with that. And I guess shopping for a new boat in the Spring. The bright side, at least I don't need to winterize or store it over winter 😏
First off... Glad you and your buddy are ok. You handled that about as well as you could have. Sure there are things you could have done different but lesson learned. Glad the other fisherman was there to help pull you off etc.
That is insanely scary, luckily you guys were not hurt. Good luck with the boat and your insurance company. Keep us all posted with how the insurance company handles this so we know who to or not to use, they already sound shady.
Hope everything works out for you. This is why I have my Hobie kayak insured for $17k. By the time you figure price of replacement kayak 5.5k, livescope setup 3.5k, 6/8 rods at 500-600 each, trailer 1.5k, tackle 800, PowerPole 900, and all other mounts and addons. Easily at 17k replacement value.
Glad you made it out safe! That happened to me recently trying to get to a bass fishing area. The wind pushed me to the rocks and my water wouldn’t start when I did push it off the rocks so it was pretty scary alone.
Hope you have all the receipts for those add-ons. Usually if you have the receipt for anything you've added on to the boat and trailer you can prove it and they should pay you for that stuff. Good luck.
Hey Alex, what was the verdict or update with the insurance agency? did they want all the electronics? was Progressive good in the end? (I also have Progressive, so wondering if I need to change myself to a different company) Thanks in advance, and we're looking forward to some hard water fishing!
Wow, good thing you're okay. We all make mistakes, you can tell which ones in the comment section have made the big ones throughout time. That's why they feel the need to criticize others, karma can bite pretty hard to us who do. Good luck👍
Wow! so sorry that happened to you. Please post an update of how Progressive was, I don't understand how the electronics, trolling motor, and other "accessories" have to stay with the boat. I have Progressive, but if they are acting like this with you, I'll be changing.
Got my first boat last year... 2300 for 83 alumacraft. Still learning on how not to do damage to it. But one thing i learned fast is that the captain doesn't prioritize fishing over navigation. Especially that far out in iffy weather and next to rocks no less. Glad you made out ok. Could have been worst.
I am 71 and my girlfriend just got a boat on auction for only $1,200 with a 50HP Mercury. It's old! It's a 14' 1976 Crestliner Model: Muskie 550 tri-hull. So last week we took it out for the first time. I should have had a map of the river BUT you live and learn. Out not even 30 minutes I hit a rock pile that was under the water and chewed up the prop. Thank God I didn't damage the lower unit. I was actually just going about 10 mph because #1 it isn't MY boat #2 I know NOTHING about boating so I stayed about 75 yards from shore so that I wouldn't get to close and get stuck in weeds or run into anything. The biggest thing that day was learning how to get the boat IN the water then OUT of the water. You are not allowed to power up to your trailer so that wasn't an option. HOWEVER, next time we are going on a lake instead of the river and I DO have a map of the lake.
@Dennis_J._Aitken i remember my first time... being on the water is not the safest thing out there... that's why you have mandatory safety equipment 😆. I usually go to dec website for small lakes to look at topo map. I fish, so it gives me a general idea for both navigation and fishing strategies. Invest in gps sonar unit, it will have topo map for navigation but remember that it doesn't know about water levels. Tides add more fun to it. Watch other boats and do not go where they do not go. Note birds on the water, they will perch on logs etc...
I had a 22ft Sportcraft 222 Walk Around cabin with Twin 125 on the Stern - it was a 25K boat that was 2 years old - I had just gone through it and it was in better then new condition - I had just started a new business and took it to a dealer in South Florida to put it up for sale since I had no income yet - the dealer was to take it off the trailer and put it on the front of the lot - Next morning I get a call from the Police that they had found my boat in a ditch next to the Turnpike in WPB - I was not aware it was even stolen - it was totally stripped - per the wrecker driver - that was the third boat associated wi8th Boat World, the dealer that was found in the same place within a week - the insurance company said it had 16K damage and gave me a check for 11K that I could not cash until the boat was either repaired or the Loan paid off - I was with State Farm - I was told I had full replacement insurance coverage yet they took 20% off the since it was two years old - I also had a claim when it was broken into by the people next door and 2K worth of dive gear was stolen - they said it was sporting goods and was not covered even though the Son of the Branch told me it was covered when I bought the insurance - I had to sell the boat to someone in the bank lobby in order to use the money from them added to the Ins check to pay the loan off - I also had to add 1K out of pocket to do this - I later had State Farm refuse to cover my wife's car because it was still insured by them but in Texas and not Florida - I lost 24K on that one - and yes, I will never use State Farm for anything -
First of all I’m relieved you are both alive and not injured. I’m 69 got my 1st boat at 15 years of age. I own 3 boats currently. Ski Boat, Bennington Pontoon, & a Fishing Boat smaller than your. Major lesson is you don’t have enough respect for the wind. My Pontoon never would’ve left the dock in wind like that. Your boat and my pontoon are a kite in the wind. Depending on the launching ramp and wind getting back on the trailer. Is another decision. Sometimes it is best just to say we’re not going out. Yes, I have dented some feelings but in my opinion everything including my passengers safety is 100% my responsibility. My options on live scoping I will keep to myself. Your best outcome will be Progressive totaling the boat and letting you keep it. I had a 3 year old Pontoon get totaled because the marina storage building collapsed from the weight of Ice & Snow. With Allstate Insurance I came out smelling like a rose. But they canceled me because I had 2 claims in 25 years. The other claim was do to vandalism at the marina. Approximately 40 boats were vandalized over the weekend. My vandalism claim was $1,400. I am also currently insured with Progressive only on my watercraft since 2014 currently claim free.
I had something like this happen once. It went from nice to crazy wind and once I got into it I couldn’t use any motors and didn’t have an oar. I ended up getting the water and pushing the boat off the rocks just enough to then start motor and somehow didn’t hit one. It is a scary feeling and the water is so powerful it is hard to get out.
Glad you guys made it off the water safely! I got caught in a storm a few years ago and fortunately had time to tie-off to a tree. Dinged my boat pretty good but it was older so I cut my loses and wasn’t worth claiming. Live and learn! I agree that that it’s bs they consider your electronics a part of the boat even though they are detachable but, they have 1000 other claims they could care less about your situation your just another claim. I hope everything works out for you!
Ouch, expensive lessen learned. Glad you guys are ok. Definitely believe you were under insured for the boat. Now as far the insurance company, it comes down to what your policy says... i insure with state farm and have never had an issue.
I couldn't watch much after the trolling motor shaft bounced up. This was like driving your car with your eyes on your cell phone. Guaranteed; if you didn't have your Livescope, this would't have happened.
How's that "kicker" motor - working? How bout raising the I/O, lowering the kicker (looks fairly small/light) and using slightly in water to reverse out, no good?
I’d like a update on this. I also have progressive. When I insured my boat and the 3 graphs one with livescope they asked me if they were permanently on the boat. Since I mainly keep them on the boat besides ice fishing I said yes because I thought that would make them cover them if it was part of the boat. But my livescope bundle just like yours is removable along with the two graphs at the console I remove them all for ice fishing. Now I’m worried I made a mistake and should call them back and tell them they are not permanently part of the boat. I never thought it through. I just figured if they where part of the boat they would cover them and if they weren’t then they wouldn’t cover them. Like you said if they total the boat they’d want everything since it’s all “one package” if they are on permanently that’s very sneaky of progressive.
Anything added to the boat AFTER your date the insurance was started would / should be able to be removed. It wasn't part of the $15,000. Think of it this way.... If you insured it for $15,000 and later put $2000 of electronic stuff and someone stole the boat, the insurance company wouldn't cover $17,000. They would say you should have upped your value. They can't have it both ways......but will try.
Yes, almost didn't post it. But decided to swallow my pride and share what happened, hopefully something people can watch and maybe learn something from for themselves and/or be entertained by my accident. All good, no one was hurt and I didn't harm anyone else or their property, so I am good in trying to find the positive in it. Once the insurance stuff is figured out, I will be posting a follow up shorter video just outlining what I learned with the boat, what I would do different on the water, as well as my experience and learnings working with insurance, again hopefully helping anyone else if they unfortunately find themselves in a similar situation. Let my lesson help others is my thought 👍
I like your bow setup. Just purchased a 19ft Sea Ray bow rider. Want to make a removable platform in the front to add a seat and my bow mount trolling motor
Everyone runs to spirit island but leaves kings flat alone. Never see much on the graph but when trolling and I start moving slowly up the incline from 26ft up to 22ft I always get giants on the uphill troll. No one ever around me and it works year round. Deep tail dancers trolled at 1.7-2mph and your catching some hogs!😊
I'm surprised how nice of shape it actually was. I'm been in the marine business last 10 years and in boats everyday. That boat was basically mint. Plus my boat is a 01 green lund that's mint so maybe I'm biased
Absolutely, watching it back is painful to watch. Once the insurance piece is all wrapped up I'll put out a shorter video on the resolution and things that I learned to hopefully help others if they find themselves in this situation either when on the water or working with insurance.
Just keep an eye for leaks on the transom seam on the inside, where the bilge is at. The rivets probably allowed it to flex. Whereas a welded seam may have cracked away from the weld. Insurance is a scam.
Well glad you both are safe . And wonder why you have no marine radio and flares. Well lesson learned. Stay away from rocks no fish is worth you well being.
Bro, stay off that big water till you get much much more experience please. And why didn’t you call the coach guard just would like to know. Is there a reason you did not shoot your flare gun off when you had other boats in sight?
Just out of curiosity do you have a VHF and possibly a towing service in your area? I'm thinking what would you have done had the other boater not spotted you?
My buddy totalled his boat out after he hit a submerged cement Chunk wide open on plane..... progressive totalled it out and never once asked for electronics
22:19 Those lunds are way over priced for a rivet boat. If they total it look into a welded boat. Always get a agreed upon value when buying insurance. They will pro rate the original 15k . It was never agreed 15k or appraised. Good luck I have been there
Welded boats don't flex. I was sold a Brand New welded boat and the 3rd trip on Erie it had 13 broken welds. My riveted Lund has never blown out a rivet. They rivet airplanes for a reason. Metal must flex. The only boat companies that have welded hauls down pat are west coast boats.
Progressive insurance is not a very good insurance company. They will try to screw you over whenever they can. Thanks for the video. The rock you were at, is that the Rock you can see from US highway 169?
For the pounding that boat took, I'm impressed. That will literally buff out. Seriously, little body work and paint, done. Squealer can't be too hard to figure out. F the insurance dude, wiffle ball bat, ski mask, Walmart parking lot. 👍🤣
OUCH! That stinks!! I will always help out a fellow person on the water that needs help and if something were to happen to the guy that helped us off the rocks in this video I would have in a heartbeat replaced it out of my pocket. Sorry to hear, but thank you for helping the guy out
Water breaking (white caps) with no water breaking (white caps) in the surrounding area always means shallow water. Getting oneself upwind and then allowing yourself to begin drifting towards the water breaking (white caps) is a bonehead move. You should have gone to the anchor first to stop your drift and start kedging yourself out to deeper water. You were lucky getting someone to tow you out, you could have been there with your boat hammering itself into aluminum recycling scrap.
Honestly can't say how i would react during this situation ( just avoid these kind of areas to begin with). Just happy you're safe guys. Insurance is a nightmare most the time no matter the coverage. Like i said on IG if you were not taken care of right I would consider dropping my commercial and personal policies (and I have decent number of policies underwritten with progressive.. Shopping around ahead for renewal time.
Had a 2000 Ranger get totaled out had American Family for insurance electronics where junk my policy had 6000 for accrssories they wouldn't use it because the mounts for everything where screwed to the the haul . dont let them do that to you take the to arbitration.
Sorry Alex, But you are obviously fairly new boater, you put yourself into a dangerous place. Lucky for you the boat did not suffer greater damage and sink. Then you would have been sitting on those rocks until rescued. It was pretty dumb. You fix the dents and scratches to your satisfaction at your expense, and live with it. Lesson learned, don't put yourself in a dangerous position next time. Sorry about being truthful.
Yeah that’s BS on the insurance company the fish finder that was originally on it is all they should get if that , , I’d say if it’s a big fight just to get it fixed , as it’s a aluminum boat , a good shop should be able to fix that boat back to close to where it was before the accident ,
The boat is not totaled also they can not require you to keep the electronics in the boat. Unless they are going to pay you for the electronocs the value of the electronics above the 15,000 for the boat. Did you list any of the aftermarket accessories including electronics on your insurance or did you just list the boat and trailer?
This what insurance is for, ACCIDENTS. My home, cars & boat is with Progressive also, if their gonna pull a scumbag move like that then im leaving them also. Will be watching for an update, Good Luck.
Appreciate that sentiment, another update will be coming and fortunately it is looking like they are going to do it the way they should. I will give all the details once it is finalized in an upcoming video 👍
You need to take off the electronic gear before you take and send pics. Not to jump on your accident and hardshipo, but hard to believe those rocks being so close, you did not reverse away no matter what any plotter or chart told you. But most importantly, you guys are okay.
Don’t understand the electronics thing with Progressive. If the electronics were OEM and permanently installed then it makes sense. If it’s aftermarket, I would tell them to pound sand (or rocks)
Not sure why you have a problem with the electronics. Obviously the electronics would up the value of the boat and make it so it is not totaled so easily. They assign a value to the boat when it got in an accident not after. When the boat got in an accident it had all the electronics on it. No matter what you insured it for it does not matter. Values of items change lately it changes monthly it seems. You may be able to argue the video game systems were not permanent but the trolling motor is a hard to say it’s not permanent with 36volt batteries, charger and where is your other boat you mount it to? Every time I have ever insured a boat they ask about electronics and tell me if I add them make sure I call and add them to the policy. You obviously didn’t call and add them.
Your calmness is what doomed you. Didn't want to ding your prop at the beginning and instead waited to sideswipe rocks and get buried. No urgency on your part. Sorry for the accident but bizarre.
How do they know what electronics you have mounted on the boat? If there’s mounting holes or mounts for equipment perhaps that was there when you purchased a boat doesn’t mean it’s yours, sure seems like a scam to me.
*Have you ever had a boat accident or insurance nightmare with a boat? Side note - it's crazy how watching this back I can think of 10 other things I could have done differently.* 😒 Go ahead and let me hear it on this one 😬
My friend had a good friend who was going blind with macular degeneration. Almost totally blind, but really bummed that he couldn't take his boat out.
Our mutual buddy is no ship Captain, and Murpheys law the boat caught on fire, and they had to jump overboard.
Be careful out there.
@@AlexTimm banged my ranger against a bride
Nothing could be said that would be helpful at this point. Sorry for the bad luck here! 🤗
@@scottmcley5111🤔...um yeah brother wooo, you just keep on kicking, kicking wing. 😮
Ok since you asked ,
1. I would have tilted the outdrive up a little to protect the prop from the rocks. Not all the way but just enough to still have a little thrust without hitting rocks. The higher you raise the prop the less thrust you'll have. 45 degrees of tilt still has a little thrust and it's not going to hit the rocks. . 2 start the kicker and go full throttle. Who cares if it ruins the prop.
sorry for your accident, but this video will be the calling card for those who mock Livescopers for paying attention to their screen to the point of paying attention to nothing else around them (like driving right into a rock island) glad you guys were safe, that's what's important...Full props to you for posting though, we all make mistakes, hopefully this stops somebody else from doing something similar!
Was in my buddies boat while he was staring at his livescope screen and we were in a strong river current ... drifted right into a Buoy mid ship! LOL. He said "I was staring at my screen and not watching our drift".
Well that was dumb
Definitely not totaled,it still floats, Go fishing
Yea guy click baited.
Yea i went fishing for an entire season on a big piece of dock styrofoam.. i just dug it out a little in the middle and v’d the bottom a little then paddled out in the lake.. it was pretty squeaky and everytime youd move apart of the thing would chip off…
The damages on your boat are about 1/4th of how beat up my 1995 Lund Pro-v currently is. Goes to show how tough Lund boats are. Could you imagine being in a fiberglass boat while that happened?!
That was really dumb, never expose yourself to a lee shore.
Hard lesson learned for sure
It was once said there is much you can do at sea with common sense, and very little you can do without it. PEACE OUT!
Well that Sucked. Shit Happens. How you handle it as the Shit is Flying is what mattered.
Your Super Power was remaining Calm. That way you can try Options and work out a Solution.
F the UA-cam Couch Fisherman who just hurl insults.
What Fisherman hasn’t fished a Lee Shore in a breeze?
Using LiveScope doesn’t mean you run up on rocks.
Dumb Asses with access to a keyboard!
Your Crew did well.
I would pull my Garmin Transducer, iPad Mount, trailer additions and empty all lockers before the Insurance visit.
Be well.
Hey man I'm not being mean. But you were definitely way to close to those rocks. I'm sure you learned a valuable lesson. Never play with wind and rocks bro. The lund boats are tough as nails. You got lucky. With all those electronics on there this never should have happened. 6 ft or less on the windy side of rocks is definitely a rookie move. Glad you're safe.
Following... and thanks for sharing the experience. Storm winds flipped an aluminum dock over at a resort I was staying at and docked. Dock legs doing comparable damage to my 99 Lund on the hull side, rub rails, transom exterior and cover. I am navigating a claim with Allstate now myself.
Complete incompetence.
That's one way of looking at it
Honestly that is BS with Progressive. Let me know how it went since I got through them also. Glad you're both safe! Such a scary situation!
Agreed, fortunately I am making progress with them (but it is getting totaled out). Once the insurance piece is all wrapped up I'll put out a shorter video on the resolution and things that I learned to hopefully help others if they find themselves in this situation either when on the water or working with insurance.
A chart plotter would've helped. Deploy an anchor immediately and have a vhf. Real chit show.
I mean, you aren't wrong
Don't ever buy an I/O, get an outboard. Always carry two anchor systems one galvanized and one aluminum. Have flares and a flare gun with ample extra flares. A marine radio is a must including a membership to seatow. Forget about all your fancy electronics until you take a Coast guard approved boating class. When you take that class make sure you pay attention and take notes. Buy a good chartplotter and learn how to proficiently use it. The chartplotter will have circles with red lines through it indicating it is a dangerous area. do not, and I repeat, do not go in those areas. Make sure you set your chart plotter for an audible warning beep in foul areas. When you hear that beep, turn around and go back. Good luck 👍
He just wanted another boat and get the insurance to pay for it… with livescope, and spot lock and you didn’t saw the rocks? For people like you, we pay a lot more in insurance every year.
it very rare to come ahead in an insurance claim. usually always loose money to those crooks
Living basically on Lake Michigan most of my life, I've seen a lot of these situations. Seen numerous boats that misjudged the harbor navigation lights, hitting the pier at 20+ MPH. In 2008, I was heading out with my fiancé to watch the fireworks and took a small wave over the bow. I kicked the outdrive up a bit and hit the gas to bring the bow up until we could get on the downwind side of the harbor. Heard a loud clunk that was the coupler breaking. Wind was pushing us quickly to the rocks, but fortunately there was 1 boat 100 yards behind us and the saw what was happening immediately. By the time we were hooked up to them, we were 20 yards away from the rocks in 4-5 foot waves. Glad you are safe and sorry about the insurance woes.
Wow, glad you guys are ok and were able to make it back. Be safe out there, at least it happened towards the end of the season. Can't wait to see the ice fishing vidz!
Thank you! Yes, it forced me into ice season mode a bit early, but I have no problem with that. And I guess shopping for a new boat in the Spring. The bright side, at least I don't need to winterize or store it over winter 😏
First off... Glad you and your buddy are ok. You handled that about as well as you could have. Sure there are things you could have done different but lesson learned. Glad the other fisherman was there to help pull you off etc.
Well said! Thank you!
Lucky a friendly fisherman came by. Glad you're ok. New Sub
Damn bro! I'm glad you guys are OK! That was crazy!
Thanks, I appreciate it. More than anything, lessons were learned this day
That is insanely scary, luckily you guys were not hurt. Good luck with the boat and your insurance company. Keep us all posted with how the insurance company handles this so we know who to or not to use, they already sound shady.
Hope everything works out for you. This is why I have my Hobie kayak insured for $17k. By the time you figure price of replacement kayak 5.5k, livescope setup 3.5k, 6/8 rods at 500-600 each, trailer 1.5k, tackle 800, PowerPole 900, and all other mounts and addons. Easily at 17k replacement value.
For a Kayak - I could get a bigger Whaler for that - sorry, just went into shock
Glad you made it out safe! That happened to me recently trying to get to a bass fishing area. The wind pushed me to the rocks and my water wouldn’t start when I did push it off the rocks so it was pretty scary alone.
Hope you have all the receipts for those add-ons. Usually if you have the receipt for anything you've added on to the boat and trailer you can prove it and they should pay you for that stuff. Good luck.
Hey Alex, what was the verdict or update with the insurance agency? did they want all the electronics? was Progressive good in the end? (I also have Progressive, so wondering if I need to change myself to a different company) Thanks in advance, and we're looking forward to some hard water fishing!
Wow, good thing you're okay. We all make mistakes, you can tell which ones in the comment section have made the big ones throughout time. That's why they feel the need to criticize others, karma can bite pretty hard to us who do.
Good luck👍
Wow! so sorry that happened to you. Please post an update of how Progressive was, I don't understand how the electronics, trolling motor, and other "accessories" have to stay with the boat. I have Progressive, but if they are acting like this with you, I'll be changing.
Got my first boat last year... 2300 for 83 alumacraft. Still learning on how not to do damage to it. But one thing i learned fast is that the captain doesn't prioritize fishing over navigation. Especially that far out in iffy weather and next to rocks no less. Glad you made out ok. Could have been worst.
I am 71 and my girlfriend just got a boat on auction for only $1,200 with a 50HP Mercury. It's old! It's a 14' 1976 Crestliner Model: Muskie 550 tri-hull.
So last week we took it out for the first time. I should have had a map of the river BUT you live and learn. Out not even 30 minutes I hit a rock pile that was under the water and chewed up the prop. Thank God I didn't damage the lower unit. I was actually just going about 10 mph because #1 it isn't MY boat #2 I know NOTHING about boating so I stayed about 75 yards from shore so that I wouldn't get to close and get stuck in weeds or run into anything. The biggest thing that day was learning how to get the boat IN the water then OUT of the water. You are not allowed to power up to your trailer so that wasn't an option. HOWEVER, next time we are going on a lake instead of the river and I DO have a map of the lake.
@Dennis_J._Aitken i remember my first time... being on the water is not the safest thing out there... that's why you have mandatory safety equipment 😆. I usually go to dec website for small lakes to look at topo map. I fish, so it gives me a general idea for both navigation and fishing strategies. Invest in gps sonar unit, it will have topo map for navigation but remember that it doesn't know about water levels. Tides add more fun to it. Watch other boats and do not go where they do not go. Note birds on the water, they will perch on logs etc...
That was definitely on you!!
I had a 22ft Sportcraft 222 Walk Around cabin with Twin 125 on the Stern - it was a 25K boat that was 2 years old - I had just gone through it and it was in better then new condition - I had just started a new business and took it to a dealer in South Florida to put it up for sale since I had no income yet - the dealer was to take it off the trailer and put it on the front of the lot - Next morning I get a call from the Police that they had found my boat in a ditch next to the Turnpike in WPB - I was not aware it was even stolen - it was totally stripped - per the wrecker driver - that was the third boat associated wi8th Boat World, the dealer that was found in the same place within a week - the insurance company said it had 16K damage and gave me a check for 11K that I could not cash until the boat was either repaired or the Loan paid off - I was with State Farm - I was told I had full replacement insurance coverage yet they took 20% off the since it was two years old - I also had a claim when it was broken into by the people next door and 2K worth of dive gear was stolen - they said it was sporting goods and was not covered even though the Son of the Branch told me it was covered when I bought the insurance - I had to sell the boat to someone in the bank lobby in order to use the money from them added to the Ins check to pay the loan off - I also had to add 1K out of pocket to do this - I later had State Farm refuse to cover my wife's car because it was still insured by them but in Texas and not Florida - I lost 24K on that one - and yes, I will never use State Farm for anything -
First of all I’m relieved you are both alive and not injured. I’m 69 got my 1st boat at 15 years of age. I own 3 boats currently. Ski Boat, Bennington Pontoon, & a Fishing Boat smaller than your. Major lesson is you don’t have enough respect for the wind. My Pontoon never would’ve left the dock in wind like that. Your boat and my pontoon are a kite in the wind. Depending on the launching ramp and wind getting back on the trailer. Is another decision. Sometimes it is best just to say we’re not going out. Yes, I have dented some feelings but in my opinion everything including my passengers safety is 100% my responsibility.
My options on live scoping I will keep to myself.
Your best outcome will be Progressive totaling the boat and letting you keep it. I had a 3 year old Pontoon get totaled because the marina storage building collapsed from the weight of Ice & Snow. With Allstate Insurance I came out smelling like a rose. But they canceled me because I had 2 claims in 25 years. The other claim was do to vandalism at the marina. Approximately 40 boats were vandalized over the weekend. My vandalism claim was $1,400. I am also currently insured with Progressive only on my watercraft since 2014 currently claim free.
Comparing the performance of a Lund Tyee to a pontoon boat is ridiculous.
A Lund Tyee is perfectly capable of operating and fishing in wind like that.
I had something like this happen once. It went from nice to crazy wind and once I got into it I couldn’t use any motors and didn’t have an oar. I ended up getting the water and pushing the boat off the rocks just enough to then start motor and somehow didn’t hit one. It is a scary feeling and the water is so powerful it is hard to get out.
Thanks for sharing- lots to learn from this- hindsight is 20/20
Glad you guys made it off the water safely! I got caught in a storm a few years ago and fortunately had time to tie-off to a tree. Dinged my boat pretty good but it was older so I cut my loses and wasn’t worth claiming. Live and learn! I agree that that it’s bs they consider your electronics a part of the boat even though they are detachable but, they have 1000 other claims they could care less about your situation your just another claim. I hope everything works out for you!
Ouch, expensive lessen learned. Glad you guys are ok. Definitely believe you were under insured for the boat. Now as far the insurance company, it comes down to what your policy says... i insure with state farm and have never had an issue.
For sure! I might have to look into State Farm for my next boat 👍
Dang that sucks, glad no one is hurt but to see your gear getting beat up like that and nothing you can do sucks for sure!
I couldn't watch much after the trolling motor shaft bounced up. This was like driving your car with your eyes on your cell phone. Guaranteed; if you didn't have your Livescope, this would't have happened.
How's that "kicker" motor - working? How bout raising the I/O, lowering the kicker (looks fairly small/light) and using slightly in water to reverse out, no good?
I’d like a update on this. I also have progressive. When I insured my boat and the 3 graphs one with livescope they asked me if they were permanently on the boat. Since I mainly keep them on the boat besides ice fishing I said yes because I thought that would make them cover them if it was part of the boat. But my livescope bundle just like yours is removable along with the two graphs at the console I remove them all for ice fishing. Now I’m worried I made a mistake and should call them back and tell them they are not permanently part of the boat. I never thought it through. I just figured if they where part of the boat they would cover them and if they weren’t then they wouldn’t cover them. Like you said if they total the boat they’d want everything since it’s all “one package” if they are on permanently that’s very sneaky of progressive.
Honestly... very stupid . Not worth it for a couple of fish.. gotta think LONG TERM
Of course it was, but that's not the issue at the moment
Anything added to the boat AFTER your date the insurance was started would / should be able to be removed. It wasn't part of the $15,000.
Think of it this way....
If you insured it for $15,000 and later put $2000 of electronic stuff and someone stole the boat, the insurance company wouldn't cover $17,000. They would say you should have upped your value. They can't have it both ways......but will try.
Damn that was hard to watch. Yikes....
Yes, almost didn't post it. But decided to swallow my pride and share what happened, hopefully something people can watch and maybe learn something from for themselves and/or be entertained by my accident. All good, no one was hurt and I didn't harm anyone else or their property, so I am good in trying to find the positive in it. Once the insurance stuff is figured out, I will be posting a follow up shorter video just outlining what I learned with the boat, what I would do different on the water, as well as my experience and learnings working with insurance, again hopefully helping anyone else if they unfortunately find themselves in a similar situation. Let my lesson help others is my thought 👍
After watching the video, I'm sure you'll have a drastic increase in insurance lol
I like your bow setup. Just purchased a 19ft Sea Ray bow rider. Want to make a removable platform in the front to add a seat and my bow mount trolling motor
Everyone runs to spirit island but leaves kings flat alone. Never see much on the graph but when trolling and I start moving slowly up the incline from 26ft up to 22ft I always get giants on the uphill troll. No one ever around me and it works year round. Deep tail dancers trolled at 1.7-2mph and your catching some hogs!😊
I'm surprised how nice of shape it actually was. I'm been in the marine business last 10 years and in boats everyday. That boat was basically mint. Plus my boat is a 01 green lund that's mint so maybe I'm biased
Yeah, so sad to now have to find another!
@@AlexTimmget an outboard this time
Scary 😱 main thing is you both are ok now hopefully the insurance company does the right thing
Absolutely, watching it back is painful to watch. Once the insurance piece is all wrapped up I'll put out a shorter video on the resolution and things that I learned to hopefully help others if they find themselves in this situation either when on the water or working with insurance.
And btw that things not totaled. I have almost worse on one side of my tyee from leaving the boat on the dock in a storm. If it doesn’t leak run it!
Just keep an eye for leaks on the transom seam on the inside, where the bilge is at. The rivets probably allowed it to flex. Whereas a welded seam may have cracked away from the weld.
Insurance is a scam.
Well glad you both are safe . And wonder why you have no marine radio and flares. Well lesson learned. Stay away from rocks no fish is worth you well being.
Bro, stay off that big water till you get much much more experience please. And why didn’t you call the coach guard just would like to know. Is there a reason you did not shoot your flare gun off when you had other boats in sight?
you call boat usa these days - not the coast guard
Man that rescue boat was way nicer than me, aint no way id get that close to you.
Well some day you might need help. Wasn’t that close
@@slange455 it looked close lol, were you there? And I can promise you I will never get my boat stuck on a rock island.
How come you couldn’t spot lock?
Just out of curiosity do you have a VHF and possibly a towing service in your area? I'm thinking what would you have done had the other boater not spotted you?
That's why you watch the chart plotter. NOAA charts show the underwater obstacles.
100%, my charts were off unfortunately and I wasn't paying enough attention to catch it, I assumed and shouldn't have
They are great boats. Can take a real beating. I have an 1850 as well but mine is outboard and is red. I would fix it and keep it.
That’s a cool looking boat, even with the damage. 👍. I’d send it.
My buddy totalled his boat out after he hit a submerged cement Chunk wide open on plane..... progressive totalled it out and never once asked for electronics
22:19 Those lunds are way over priced for a rivet boat. If they total it look into a welded boat. Always get a agreed upon value when buying insurance. They will pro rate the original 15k . It was never agreed 15k or appraised. Good luck I have been there
Welded boats don't flex. I was sold a Brand New welded boat and the 3rd trip on Erie it had 13 broken welds. My riveted Lund has never blown out a rivet. They rivet airplanes for a reason. Metal must flex. The only boat companies that have welded hauls down pat are west coast boats.
Progressive insurance is not a very good insurance company. They will try to screw you over whenever they can. Thanks for the video. The rock you were at, is that the Rock you can see from US highway 169?
Absolute genius
Good thing it's not totalled. Good thing all are ok
For the pounding that boat took, I'm impressed. That will literally buff out. Seriously, little body work and paint, done. Squealer can't be too hard to figure out. F the insurance dude, wiffle ball bat, ski mask, Walmart parking lot. 👍🤣
Repaint the boat in camouflage, it will hide the damage & look badass.
Survivability of that boat is pretty impressive
I was very impressed, I definitely will be getting another Lund for my next one
I helped a guy that was washed up on shore on leech lake and it cost me a brand new stainless prop
OUCH! That stinks!! I will always help out a fellow person on the water that needs help and if something were to happen to the guy that helped us off the rocks in this video I would have in a heartbeat replaced it out of my pocket. Sorry to hear, but thank you for helping the guy out
That sucks. The prop on my boat is $1200. I would not be happy.
If only you had (2) live scope transducers that would show you the water depth in front of the boat if pointed that way
Navionics shows every rock!! Use the technology (and your paddles... if you can find them!)
Water breaking (white caps) with no water breaking (white caps) in the surrounding area always means shallow water. Getting oneself upwind and then allowing yourself to begin drifting towards the water breaking (white caps) is a bonehead move. You should have gone to the anchor first to stop your drift and start kedging yourself out to deeper water. You were lucky getting someone to tow you out, you could have been there with your boat hammering itself into aluminum recycling scrap.
Honestly can't say how i would react during this situation ( just avoid these kind of areas to begin with). Just happy you're safe guys. Insurance is a nightmare most the time no matter the coverage. Like i said on IG if you were not taken care of right I would consider dropping my commercial and personal policies (and I have decent number of policies underwritten with progressive.. Shopping around ahead for renewal time.
hell in a hand basket, in 30 seconds.
Could have fired up the kicker motor and prevented all this trouble. Just need to drop it down enough to grab some water.
Had a 2000 Ranger get totaled out had American Family for insurance electronics where junk my policy had 6000 for accrssories they wouldn't use it because the mounts for everything where screwed to the the haul . dont let them do that to you take the to arbitration.
Sorry Alex, But you are obviously fairly new boater, you put yourself into a dangerous place. Lucky for you the boat did not suffer greater damage and sink. Then you would have been sitting on those rocks until rescued. It was pretty dumb. You fix the dents and scratches to your satisfaction at your expense, and live with it. Lesson learned, don't put yourself in a dangerous position next time. Sorry about being truthful.
I’m surprised you don’t have a flare gun, air horn, and an emergency flag on board for that size water.
Progressive is a joke. Hopefully they don’t screw you over too bad. Glad you guys got out of that situation with no personal injuries.
Yeah that’s BS on the insurance company the fish finder that was originally on it is all they should get if that , , I’d say if it’s a big fight just to get it fixed , as it’s a aluminum boat , a good shop should be able to fix that boat back to close to where it was before the accident ,
The boat is not totaled also they can not require you to keep the electronics in the boat. Unless they are going to pay you for the electronocs the value of the electronics above the 15,000 for the boat. Did you list any of the aftermarket accessories including electronics on your insurance or did you just list the boat and trailer?
Slight dent & scratched stickers
Is all I see
Dude….you should always have a paddle with you and available when around big boulders!!!
Think my boat looks worse (used to be a camp boat). Still floats and fishes alright.
Bet you wish Captain Obvious was there to point out your proximity to the rocks.
I'm in Zimmerman. Right up the road from you. I've never seen your channel but i just subbed. I want to know what happens.
This what insurance is for, ACCIDENTS. My home, cars & boat is with Progressive also, if their gonna pull a scumbag move like that then im leaving them also. Will be watching for an update, Good Luck.
Appreciate that sentiment, another update will be coming and fortunately it is looking like they are going to do it the way they should. I will give all the details once it is finalized in an upcoming video 👍
It was too painful to watch😢
You need to take off the electronic gear before you take and send pics. Not to jump on your accident and hardshipo, but hard to believe those rocks being so close, you did not reverse away no matter what any plotter or chart told you. But most importantly, you guys are okay.
Did you cry afterwords? I’m pretty sure I would have.
This was hard to watch this was a fail at really every level… glad you guys were ok tho
Don’t understand the electronics thing with Progressive.
If the electronics were OEM and permanently installed then it makes sense. If it’s aftermarket, I would tell them to pound sand (or rocks)
Sounds fishy like the agent wants to steal the equipment after they total …it would be stealing since he didn’t pay the 15k
What a nightmare. Bad captain.
Not sure why you have a problem with the electronics. Obviously the electronics would up the value of the boat and make it so it is not totaled so easily. They assign a value to the boat when it got in an accident not after. When the boat got in an accident it had all the electronics on it. No matter what you insured it for it does not matter. Values of items change lately it changes monthly it seems. You may be able to argue the video game systems were not permanent but the trolling motor is a hard to say it’s not permanent with 36volt batteries, charger and where is your other boat you mount it to? Every time I have ever insured a boat they ask about electronics and tell me if I add them make sure I call and add them to the policy. You obviously didn’t call and add them.
You HAD a really nice boat. id be crying.
Best of luck buddy
Thanks, I appreciate it
Rubbing is racing..... it's just aluminum....as long as livescope is good...its all right 👍
It's aluminum, just cosmetic damage. Easy fixes, by far not totalled, just shows it's been fished out of. Note to self, stay away from rocks.
Sounds like the adjuster wants to salvage the boat for himself.....id walk away from insurance and pay the damages myself...if any
How stupid can a person get, let alone 2 people?
Your calmness is what doomed you. Didn't want to ding your prop at the beginning and instead waited to sideswipe rocks and get buried. No urgency on your part. Sorry for the accident but bizarre.
I don't understand. Surely there is a radio on board
How do they know what electronics you have mounted on the boat? If there’s mounting holes or mounts for equipment perhaps that was there when you purchased a boat doesn’t mean it’s yours, sure seems like a scam to me.
I guess you needed more electronics and technology equipment to know enough to stay off the lake in windy conditions and away from rocks.
Sorry this happened to ya never wanna see this so sorry lesson learned I guess was a very nice boat I would have used that kicker
If.
That is totaled.I will buy it from you