Looking for guidance if anyone has experience. My fishing boat recently had an issue with the transom (manufacturing defect not covered for second owner) that cost me $2500 to have repaired by an independent repair shop. I have receipts. The boat shop that carries that brand said min of $5K to fix. My insurance has a $250 deductible for comprehensive claims. The policy costs me $120 per year. I've never had any claims - boat, cars, house.
Should I file a claim to get back the $2250? How much will my premium increase? Will they drop me?
