Replacing Stolen Tackle

[HURRICANEBOB]

i mean its not a completely legal way or idea but c'mon. The man lost years of fishing gear which i would assume he's not going to be able to buy the majority of it out right.....and with as much money insurance company's take in on what the average amount they pay out in claims....its rediculous....I just got my truck totalled last november at no fault of my own and ultimately got mulled over by the insurance company...i'm not saying that justify's that action by any means, but play the game to your advantage because nobody else is going to look out on your behalf.....not to mention how many of us have ever bought a used a vehicle and claimed a lesser purchase value to save money in the transferring process....that could be considered evasion\fraud.

Something to bear in mind if an "at falut" driver hits your car and causes damage. While your insurance company may hold your feet to the fire for the deductible, "his insurance company can't". And you can file a claim thru his company. If they deny that claim, you have even a stronger case in small claims court, where you may get your deductible back so long as you have a good police report, and can clearly document that you had to pay the deductible amount to get your ride fixed/replaced as a result
of the other guys negligence. And if the guy was uninsured, again, total up your deductible, your time, and out of pocket expenses and hit small claims court. The fact he was uninsured and driving means he was violating state law, and again, the court will probably be on your side.

And claiming a lesser amount when you buy a used vehicle to pay less property tax on it, is a good way of getting screwed by your insurance company if you do have an accident. You've lowered the value of the insured property, and documented that on your acceptance of registration which means the couple bucks in tax you saved will be eaten up again by your deductible, and by the fact the insurance company may just decide to pay a claim based on actual documented value, which as you said would be less than you paid for it.

Not beating you up dude, sharing this stuff with you so you won't set a bear trap by what you do today that you may walk into later down the road.

[jrrose03]

bob i completey understand what you and geo are saying and im not fully disagreeing... i just think different circumstances can heed different actions thats all....... and i dont take it as you beating up on me, just constructive debate.

[HURRICANEBOB]

bob i completey understand what you and geo are saying and im not fully disagreeing... i just think different circumstances can heed different actions thats all....... and i dont take it as you beating up on me, just constructive debate.

Good to go here. We're all in this together.

[Olgrey]

Guys I have no dogs in this hunt, but you should know people have gone to jail for falsely reporting the value of an automobile for tax purposes. Normally it is someone that works in the government office that sends the property tax bills that falsely reported or manipulated the value of the vehicle to save themselves or a friend money. That is when the government puts a hurting on them big time. When the value of the vehicle is falsely reported, technically it is tax evasion and theft. That being said, probably nothing would come of it unless they decided to make an example of you. Basically it is fear that causes people to file income tax returns and pay taxes. Is it worth the risk?

[sweetwater]

Guys I have no dogs in this hunt, but you should know people have gone to jail for falsely reporting the value of an automobile for tax purposes. Normally it is someone that works in the government office that sends the property tax bills that falsely reported or manipulated the value of the vehicle to save themselves or a friend money. That is when the government puts a hurting on them big time. When the value of the vehicle is falsely reported, technically it is tax evasion and theft. That being said, probably nothing would come of it unless they decided to make an example of you. Basically it is fear that causes people to file income tax returns and pay taxes. Is it worth the risk?

I think the majority of people pay their taxes because they understand it's their civic duty to do so, not because they are afraid of what will happen to them if they don't. Although we may not agree with how our leaders are spending our money at times, responsible citizens know that if we don't pay up we could lose many of the services we value as well as the possibility of losing our freedom as a people.

[sawinlogs]

I wanted to report that I think my insurance company has treated me very fair with all that has happened. I gave them legit list with both tackle and gave them an estimate from a quality marina that matched their estiment. Not the fly by night one closest to me here in N KY that I would of done buisness with if they didn't steel from me when I bought the boat. I tell ya I think buying a new boat has turned into way too much hassel and is not worth it. I wish that I would of kept my old 89. Beware to all thous that read this, make sure you deal with quality marinas when buying or having a boat serviced because when ya really need them it sure would make it nice if they didn't give ya a bunch of BS. I try to do buisness with locals but if they are going to steal and screw friends and neighbors I will go somewhere else. I guess thats why they changed names and locations so many times and getting ready to do it again. Please beware of a N Ky marina cause they will get ya. You'll always be able to tell they are lieing because they will be talking.

[restornator]

In my defense of marine repair places, symptoms of motor problems overlap and these places probably have a ton of legal issues with regards to their repairs. Sometimes the motor isn't fixed or the previous problem weakened other components, and you have boats stranded on a lake when someone is trying to relax. They get a lot more grief because of the added inconvenience and circumstances.

[HURRICANEBOB]

I wanted to report that I think my insurance company has treated me very fair with all that has happened. I gave them legit list with both tackle and gave them an estimate from a quality marina that matched their estiment. Not the fly by night one closest to me here in N KY that I would of done buisness with if they didn't steel from me when I bought the boat. I tell ya I think buying a new boat has turned into way too much hassel and is not worth it. I wish that I would of kept my old 89. Beware to all thous that read this, make sure you deal with quality marinas when buying or having a boat serviced because when ya really need them it sure would make it nice if they didn't give ya a bunch of BS. I try to do buisness with locals but if they are going to steal and screw friends and neighbors I will go somewhere else. I guess thats why they changed names and locations so many times and getting ready to do it again. Please beware of a N Ky marina cause they will get ya. You'll always be able to tell they are lieing because they will be talking.

Man I hear ya about the boat dealer thing. Some are as good as gold and others would be role models for buzzards. When I bought my Raider, it was over the phone and email to a delar in Washington State. Yep, we had to sort thru some disconnects and communications mistakes,on both our parts, but what I came to respect was that if they made a boo-boo, it was an honest mistake, or a misread email, and there seemed to be no intent to deny once we agreed on what really happened. They bellied up to their mistakes, made amends, and we work thru problems together to get a good solution for us both. To me the tell tale sign is when you are told things that are obviously wrong and a dealer with experience simply should be expected to know better. That signals a problem, and I just never hesitate to confront them with documented facts. Then if they crab on me, or gt defensive, I show then what a siz 44 waist pair of jeans look like from the back side as I hit the door headed for the truck. No sense arguing, just a simple, here's the facts, wait for a response, if they don't acknowledge the facts.....chow meatball!

Hang in there man, it will get better, things will get better overall. Little concellation, but atleast all the stuff you will have will be new. No to minimize it, if I could share one thing to help, it's to look for the good side and you'll find it.

[publican57]

I am going to take photos of my stuff. I agree with posters to be honest in dealing with insurance; it sounds like your insurance is treating you right. I had an experience like George with my homeowners when they replace a lot of my stuff for me from their store and paid me the difference for things that they could not replace through the store. This was mostly CD's, stereo equipment and other stuff from the house that was stolen during a break in.

Good luck and sorry you have to go through the trouble.