Charter Lakes and no claims, thank God... Friends have had claims and they seemed to be fairly settled.What boat insurance you have?
What kind of claims you had and how long to settle them?
The point about the transom tie downs was as much to indicate impact force (helpful if the driver isn't owning responsibility) as it is to safety. People have a tendency to overlook things like the rear tie downs but if you have an accident and don't have them your insurance could bow out because of your negligence to use all tie points. Companies today will use ANY excuse to deny a claim.