The advice to read your boat policy is a good. I suggest you check around the internet for articles and postings on what to look for in a policy before you read it. There are things such as replacement value, actual cash value, hidden defects, consequences of mechanical breakdown, racing and on and on which have a real effect on whether you will be covered in a situation. If you have a list of what to look for you will be able to spot your policy's provision. It is best to know these before you have the claim.
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Marty
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