re: Has anyone ever had their boat hit from behind ?

quote:

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dealing with insurance companies on boat claims is a real pain in the arse

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And they get worse every year - even the formerly "reputable" companies are playing hardball at outrageous levels.

A few years ago one of our trucks was hit when another vehicle changed lanes and ran into our guys. The other driver admitted what she did, cops wrote report stating what she did -- and then USAA denied fault.
After arguing back and forth, USAA offered to pay half the repair bill (several thousand dollars).
Fortunately my BIL had recently retired from USAA as a high level claims manager. He told me who to call and what phrase to use to elevate the claim. Worked like a charm -- USAA paid the full body shop estimate -- but I still hate USAA. (If this had been Allstate I wouldn't have been surprised.)