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marine insurance claim denial

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Posted by Ron Belcher on April 25, 2000 at 18:18:23:

My sister and brother-in-law have a boat insured by Progressive Ins. The boat was recently damaged by hitting something in the water. There was extensive damage to the outdrive and engine. The engine has not been dissassembled, but a mechanic familiar with the boat believes the crankshaft broke as a result of the prop being brought to a stop by whatever was hit. The insurance co. adjuster says he believes it is a simple mechanical failure and therefore not covered by policy even though the outdrive shows evidence of damage. My brother-in-law (Bobby) is a terminal cancer patient and does not have the energy to fight it. He has asked me to handle the problem for him. The adjuster refuses to talk to me about the problem even after getting Bobby's permission. Today Bobby gave me "Special Power of Attorney" to deal with it, but the adjuster says he will not accept that either. The only option he is offering is to take the boat to a mechanic that he specifies and have the motor dissasembled. If proof of mechanical problems are found, it's Bobby's problem and he has to pay the mechanic for the disassembly. If proof of catastrophic loss is found the insurance company will pay the damages. The boat has to be towed to this adjuster specified mechanic. The boat is currently located at the garage of a certified Mercruiser mechanic. Please advise. Thanks

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