OMG. My respect to the thread starter and I'm VERY surprised by some replies.
I thought in sail world things are still making more sense than on the land, where people and things not making any sense anymore. Everyone is scared, suspicious, not able to make ANY sole decisions - need estimators and surveyors for that. No one wants to take ANY responsibility in his life. Everyone seems to want suing everyone using insurance
companies etc. etc...
How could you travel oceans, if you're totally relying on surveyors and insurance?!
Insurance companies - biggest scam in the world. They MAKE YOU THINK that you can not survive without them. They teach you to be afraid any responsibility in your life, "leave it to professionals". Yea, sure, they MIGHT help in some cases. But, like already mentioned: "Years of your life, tons of aggravation dealing with bureaucrats and lawyers as they play their endless games, $1000s of out of pocket and maybe, just maybe, you'll get some of it back. It's a mugs game!"
Guy received a check for 25% of his boat value, and he mentioned, he already had some money
from other incident, bringing total to almost 50% of value. I'm sure, he has two hands, and he can do some if not most work, and actually he can make money
out of these incidents. And THAT'S IT! It's over, he will continue enjoying his life, not fighting with insurance company, surveyors etc.
Same goes on the land. When my van was hit by some pure guy on work truck, I looked at my van couple minutes, figured, that I probably can find cheap
body shop to paint
one side for $200-$300. Plus some repairs that I can do myself. Or I can do everything myself.
Yes, I could call insurance, report that incident, etc.etc. At the end claim would be no less than $2-3K (I know that as professional). Bunch of people would make money on this, pure guy would have his insurance premium raised , I would loose time dealing with all of this...And you know what? I told to the guy:"Give me $300 and drive safe". He gave me cash, and we both just carry on, no hard feelings.
It is OK - to take responsibility in your life. Make sole decisions, learn things to be able make estimates without these estimators, many of them just plain stupid - I know what I'm talking about!