CHRIS CRAFT COMMANDER FORUM ® .......A photo-intensive technical reference file and ongoing newsletter regarding the original fiberglass Chris-Craft Commander series. This is an independent not-for-profit and non-commercial web site, not affiliated with the Chris Craft Commander Club ~~ or ~~ Chris-Craft Corporation. Our mission here is to "have fun and share information" about the Commander series (and those associated fiberglass boats on the Chris-Craft family tree) for your individual personal use, and by doing so help promote the good name of Chris-Craft, and help preserve, restore, and appreciate Chris-Craft boats. The main reference feature is the ever expanding MASTER INDEX File which contains what we believe to be the world's largest collection of documentation photos and technical information on the Chris-Craft Commander line of boats, (like these original brochure scans, featuring the iconic first 38 Commander styled by Fred Hudson, and many of the great Dick Avery renditions that followed) , (a huge collection of Chris-Craft 427 tuning and specification information), and a few words about how to use the forum.

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Boat US for me...

January 5 2016 at 9:37 PM
Dave Krugler  (Login dkrugler)

Response to An informal survey regarding marine insurance companies

My late father was a boater and swore by Boat US. I had cars insured by State Farm and went to them for coverage on my first boat, a 1969 19ft Sea Ray Pachanga which was a 19ft offshore type boat with a 350 Chevy truck block and Corvette high compression heads sitting in front of and old Merc II I/O drive unit and transom exhaust. That boat had seen better days by the time I got it but I did my best to fix it up and had some fun with. One time I was hauling up north and stopped late in the day at Jerry's Marina on Tawas Point on Lake Huron and splashed it for a nostalgia run across Tawas Bay. I was having fun with it until I suddenly realized I'd forgotten my aids to navigation and strayed well inside buoys 4 and 2 that were intended to keep idiots like me off the sandbar along Tawas Point. All of a sudden the boat began to shudder violently while I dragged the outdrive across the sand bar at about 3,500 rpm and 35 MPH! By the time I realized what I had done the drive was half way up and while I managed to limp back to the ramp was severely damaged. I took it back home and eventually to Precision Marine in Detroit to try to get it repaired. I got the good news that I had destroyed the upper pinion gears and sent shrapnel to all the bearings in the lower gear case, estimate in 1981- $1800.00. I filed an underwater machinery damage with State Farm and when they talked to Precision Marine they denied the claim stating I never hit anything, the drive just wore out. I fought with them and threatened to take them to court. The finally agreed to having the gears inspected by a metallurgist in Algonac who stated emphatically the damage was impact damage from grounding, not a case of wear out. But State Farm had the last laugh because they promptly pro-rated the repair on a 15yr depreciation basis. Since the boat was 12 years old they gave me 3/15's of their discounted fair value repairs and issued a check for $300 to me. I promptly cancelled all my insurances with State Farm and moved to Ford group insurance on the car and sold the boat after fixing it. My next boat was a brand new 1995 Four Winns Sundowner 195 which I bought from King Marine in St. Clair Shores and insured with Boat US. They've had my boat insurance ever since. When I restored the Chris Craft I paid Boat US an extra $100 premium and got an "Agreed Value" policy on it for $25,000 to cover my butt after restoring it for a couple of years. I paid around $600/yr. for the insurance which also covered it for $300k on the water liability and freeze damage. In all fairness I never had a claim with Boat US but I'm told they will stand behind their customer in case bad things happen. They have the policy on my Boston Whaler now.


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