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what you paid for it and the money you have it in are none of their business unless it needs to be bought up later AFTER a appraisal by a appraiser YOU choose.

I got hit 10 years ago and was in a 71 Pontiac lemans and to get value needed a appraiser. What they initially offered was a joke.

Also do some searches online with the insurance company. Some are easier to deal with then others.

Even after it is fixed you now have to consider diminished value. You will now have a hull that has been in a serious accident and even it if it the same and maybe even better after the repairs a buyer would still be deterred when buying a boat with hull damage. I know if I had 2 boats to choose from and one had the hull repaired I would only consider the repaired hull boat if it was much lower in price. I would also speak with Boston Whaler and have them recommend a shop to get the hull repairs done,