the only way to get full value for your stuff is to claim some bodily injury. otherwise they will only pay book value for your boat which you can't replace for that amount. you need to decide on replacement price and threaten lawsuit if they don't agree. you have the upper hand right now but DO NOT SETTLE on boat/truck value separately from complete settlement. USAA insurance screwed me big time on a similar deal. if they send you a check for boat, don't cash it until final settlement.