My Boat is TOTALED!!!
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- Опубликовано: 29 сен 2024
- My 2000 Lund Tyee 1850 Gran Sport Boat is TOTALED! 😡 Watch to find out how it happened and what happens next.
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Dramatic fishing trip turns into boat disaster: $15,000 vessel totaled after hitting rocks. Progressive Insurance battle ensues over damage assessment and electronics coverage, raising ethical concerns. Follow the journey as repairs and claims process unfold, offering valuable lessons for boat owners facing similar situations.
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*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.
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.
@@TheHumanTorussome solid advice, thanks
Previous owner has to be rolling in his grave. Boat was pristine for 23 years. Then this guy...
No kidding! Joke is on me though, now I've got to find a new boat as good of a find as this one was in the Spring 😬
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.
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.
Thanks for sharing- lots to learn from this- hindsight is 20/20
Survivability of that boat is pretty impressive
I was very impressed, I definitely will be getting another Lund for my next one
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 think this is not difficult to fix and not that expensive
That was definitely on you!!
Complete incompetence.
That's one way of looking at it
Nvm saw the whole video
😬
😞 On this day, many lessons were learned (hard video to post, had to swallow some humble pie)
anchor????
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".
Definitely not totaled,it still floats, Go fishing
Yea guy click baited.
Well that was dumb
That was really dumb, never expose yourself to a lee shore.
Hard lesson learned for sure
This is worse then watchin the chit chow at the boat ramps
Glad I could be here for your entertainment
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.
Stay off the big pond,u two are totally incompetent to be in control of any situation,take up checkers as a hobby.
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
All the gear and no idea
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
How with all that equipment could you pull that one?
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.
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 👍
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.
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.
Damn bro! I'm glad you guys are OK! That was crazy!
Thanks, I appreciate it. More than anything, lessons were learned this day
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!
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?!
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.
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
How or why did you get so close to those rocks?
I've fished that spot a bunch of times and I make it a point to stay off / away from the boulders because of this.
Not trying to rub anything in but this shows why you should always be 100% aware of where you are.
Glad you're safe, BUT you should have never been that close to those rocks, It is obviously not your first time fishing there and being so close your asking for it and got it! Honestly your insurance company should deny the claim for your lapse in good judgement.
Yeah, cause insurance companies don’t make money off anyone and you should feel sorry for them.
Not sure if insurance companies would ever pay any claims if that was the case.
I’m surprised you don’t have a flare gun, air horn, and an emergency flag on board for that size water.
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.
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.
Did you cry afterwords? I’m pretty sure I would have.
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 👍
That was awesome sorry about the boat, jump in the water and push, the chart would have told you danger Will Robertson
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 -
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.
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.
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.
Brother, the one thing that you failed to use to your advantage was your Garmin chart plotter. It would’ve saved you from going through all that trouble. That’s why I love my Garmin.
Nope, take all your stuff off, if you didn’t include the electronics specifically in your coverage then you take them off. It’s no different than a vehicle or motorcycle.
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.
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.
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 ,
Sounds like the adjuster wants to salvage the boat for himself.....id walk away from insurance and pay the damages myself...if any
How come you couldn’t spot lock?
was that fishing or playing a video game.
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
Repaint the boat in camouflage, it will hide the damage & look badass.
Well it would be easy to pile on telling you all the things you did horribly wrong but ill just say you kept your cool very well.
That’s a cool looking boat, even with the damage. 👍. I’d send it.
You should hop off the boat and swim it out. It would float a lot better with 400 pounds less weight in it.
what click bait . your boat got scratched . your buddy was pretty useless and no help.
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
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 👍
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
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
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!
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 👍
What are we hitting he says..duh we’re in the Rockies
Difficult to watch….
Really hard to watch, especially looking back at myself thinking what I could have done different. Ugh. Lessons were learned, 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.
You lost me at get 20 feet further In
Right! What the heck was I thinking... 🤦♂️
@@AlexTimm that wind can be a pain!! What did the insurance company say
If.
That is totaled.I will buy it from you
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 😏
Tell me you have a marine radio - please?
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.
Ban the scope....for numerous reasons...
Looks like you asked for it smh
What a nightmare. Bad captain.
It was too painful to watch😢
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.
You can’t park there…
Buy an older, shitty trolling motor and electronics, throw it on the boat and keep the good stuff. How would they know unless you had previously mentioned it for insurance purposes.
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. 👍🤣
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.
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?
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 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
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.
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.
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
Navionics shows every rock!! Use the technology (and your paddles... if you can find them!)
I guess you needed more electronics and technology equipment to know enough to stay off the lake in windy conditions and away from rocks.
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.
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!
After watching the video, I'm sure you'll have a drastic increase in insurance lol
usually selling a boat electronics dont matter to much in the price. the boat is the price. insurance company is in scam mode. careful
Trolling motor bro
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.
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.
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?
What a shit show
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?