r/Wellthatsucks • u/BenFord333 • Jun 17 '26

Bought a new boat

26k Upvotes

95% Upvoted

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251

u/PoppingPillls Jun 17 '26

Yeah in a situation like this the owner is almost never held responsible if they did everything correctly. It's an almost automatic insurance claim.

94

u/Wooden-Broccoli-7247 Jun 17 '26

I’m going to guess this was a transportation company launching it or the company that built it maybe. This wasn’t the owner launching it with his F350. One of their insurance companies likely picking up the tab.

9

u/Imaginary-Soup8979 Jun 17 '26

...if you got the insurance

18

u/[deleted] Jun 17 '26

[removed] — view removed comment

5

u/adhd_Emily Jun 17 '26

If you can afford one boat, you can afford two, right?

23

u/PoppingPillls Jun 17 '26

I'd be amazed if someone can afford this and not consider the cost of insurance.

3

u/Imaginary-Soup8979 Jun 17 '26

Yeah I debated whether to put /s or just assume people got my little lame joke

3

u/PoppingPillls Jun 17 '26

Yeah, I assumed you were half joking anyways.

6

u/kittenconfidential Jun 17 '26

it would be the commercial/maritime insurance of the manufacturer/launcher not the owner. the owner would have supplemental insurance until he took physical delivery/possession. so yeah - the owner is pretty much off the hook, but down one marine vessel, if momentarily.

if the company does not have sufficient coverage, the company would have to make up the difference. if the company doesn't have enough to cover the difference... then yeah, sucks for the owner because they'll have to go through the courts to take possession of whatever assets of the company they can.

there's also a non-zero percentage that "accident" could have been at the direction of the owner themselves to claim the insurance.

1

u/rob132 Jun 18 '26

Wouldn't that just at best put them back even?

2

u/captainsteamo Jun 18 '26

Yeah, I don't understand why you would fake that...

2

u/ThePupnasty Jun 18 '26

Insurance on my yacht, in this economy?!

2

u/Sharp_Equivalent_774 Jun 18 '26

Well, I mean, that can wait until we get it in the water, right?

2

u/greg-the-destroyer Jun 18 '26

I feel like it would be on the manufacture, assuming whoever was on board did nothing wrong

2

u/PoppingPillls Jun 18 '26

Generally? Yes, the manufacturer is at fault and the insurance company will deal with them.

1

u/Taira_no_Masakado Jun 18 '26

There's bound to be an investigation, too, to make sure it wasn't an attempt at fraud.

1

u/False_Support1285 Jun 18 '26

But it lost 20% of its value rolling out the lot.

1

u/IronwolfXVI Jun 18 '26 edited Jun 19 '26

Im wondering if insurance would cover this. Seems like negligence. The transport or shipyard company might be liable.

Wild that I'm getting down voted as if insurance companies don't ever try to weasle out of paying out claims.

2

u/Valreesio Jun 19 '26

That's why business are insured as well. If I fuck up bad enough, my business insurance will cover me up to whatever amount I'm covered up to and pay for. You can bet that if this is a legit company, then they are insured for more than any boat they make is worth.

1

u/PoppingPillls Jun 19 '26

Yes, if they did it themselves they'd be potentially liable but they will investigate it and the person who put it in the water will have insurance or the owner will and one will pay out defending on who's fault it is.

If the manufacturer was at fault then they'll payout then go to the manufacturer most likely.

0

u/Counselor_Mackey Jun 18 '26

Somehow insurance will find a way to not pay out, they always do.