Originally Posted by Red Sky
Again I'm in her corner, no hate towards her in any way.
Apologies if I misinterpreted your intent/tone with regards to Liz's situation.
Thing is, even if a company has insurance
, that does not mean they want you making claims on it. In fact, the company has a great incentive to make the process as difficult as possible for you, since a single
claim stemming from an incident like Liz's or OPs will have global impact on their fleet-wide policy.
I speak from experience on this - having seen it happen with a taxi company (fleet insurance) and a trucking company (again, fleet insurance). In the instance of of taxi company, they preferred to fight the situation with law-fare, even though they were in the wrong and there was video evidence to prove it. In the case of the moving company, I was lucky enough to have bought an additional insurance
policy above-and-beyond what was being offered by the company. Good thing too!
For OP's problem... I do think it would make sense to engage a lawyer to send them a letter explaining the situation and that legal
action will follow if the situation isn't remedied ASAP.
Dream Yacht might prefer to get out of this without there being an insurance claim... so maybe it makes sense to give them a repair estimate with the amount you're seeking? That way they understand that there's a fixed dollar amount being sought, and can then weigh the benefit of a one-time cash pay-out vs. legal
battle and insurance payout?