[Capt. Debbie]

A friend had a boat down C&C Marina in Bayville. Sandy took it after winter layup(Drain plug out and bilge pumps w/o battery) so sunk on its trailer. Total loss. Agreed value $14,000. Then marina hit him up for $9800 for retrieval costs and another $1,000 for disposal costs. Insurance met coverage and walked after paying for lost boat $14,000. A year of litigate later he paid out of pocket to a marina. I helped negotiate it down to $4,000

Let us know how this turns out?

This could be a good lesson in what coverage does and does not cover.

Many marina have a hold harmless clause and you pay for yourself. That's why they require you have insurance to store on their property. If you have no insurance you have to sue everyone to get anything. very different form car insurance under no fault.

Who is your insurer?

Since this is not no fault, you pay your own way ( your insurer fixes you up) and you have to sue the other to recover the cost. If you do go after the "at fault" party and win then your insurance company wants their money back.