Wolfeboro Hit and Run

[Dad207]

Yup, the witnesses were the people on the boat (family and friends) who are not going to turn the guy in, unless they can be pressured to do so. Since some may not be known, and there is no crime that the passengers committed, no way for prosecutors to pressure them.

False police report/ false insurance claim? Only false if there is evidence (again, witnesses and documents) showing that the owner (or someone else) was in fact piloting the boat that night at the time of the crash. So long as the people who were on the boat that night do not step up and do the right thing, there is no case.

[Descant]

There's a lot of speculation here, and it's a great game with no apparent rules, so here goes:

Hackercraft is insured by company A. Sea Ray is insured by Company B. Company A pays for repairs to the Hacker and subrogates against B. There is a bailment situation, so Hacker owner will get his deductible back. The Sea Ray, company B, is insured and there is nothing in the policy that requires a specific person to be driving, so the Sea Ray damage is covered by company B.
Now, follow this. The Sea Ray was purchased with a loan, say for $1,000,000, with 20% down. The boat is totaled, and the bank gets paid their $800,000 as the mortgagee/additional insured. They're happyy--they m,ade money on the loan. The owner bought his lakefront McMansion just before the pandemic for $750,000 and used a HELOC for the down payment on the boat. He can now sell the house (after all, he's done boating) for $2,000,000, pays off all the debt and has funds available to buy elsewhere. Nobody was hurt, nobody loses money, nobody gets a ticket. Ain't this a great country?

[Dad207]

Absent an honest person or two coming forward, this is just about right. And we complain about insurance rates, and this is how it happens.

[SAB1]

The beautiful world of non accountability we live in…..

[Dave R]

Originally Posted by Dad207

Absent an honest person or two coming forward, this is just about right. And we complain about insurance rates, and this is how it happens.

Pretty sure the Sea Ray insurance would cover the damage regardless of a crime conviction or charge.

[SAB1]

Originally Posted by Dave R

Pretty sure the Sea Ray insurance would cover the damage regardless of a crime conviction or charge.

Agree. Especially if an attorney involved.

[Sue Doe-Nym]

“No consequences for bad behavior”. It’s a sad commentary, starting from childhood and continuing through adulthood.

[John Mercier]

Originally Posted by Sue Doe-Nym

“No consequences for bad behavior”. It’s a sad commentary, starting from childhood and continuing through adulthood.

Depends. Without knowing the facts... we do not know what laws may have been broken.

Was the operator going too fast? Too fast relative to the shoreline/etc? Was the operator under the influence? Or was the operator just not paying attention -''failing to keep watch''?

A BWI, depending on other factors, would be the most devastating... but even then it might only be a first offense and the operator would live with it.

In the past, accidents that had the loss of life didn't significantly affect the operators, so this accident with no known injuries would mostly fall to the insurance claim; that should have been expected.

[CrownRay]

Not sure if this is related, but just saw a 2004 SeaRay 500 pop up on Facebook marketplace. Location was "laconia"

The name is "WheelSea"

Looks just like it

[codeman671]

Originally Posted by CrownRay

Not sure if this is related, but just saw a 2004 SeaRay 500 pop up on Facebook marketplace. Location was "laconia"

The name is "WheelSea"

Looks just like it

Its not the same boat. That one is down in Portsmouth. The one up here doesn't have a name on it in the picture I have, and doesn't have the sat dome on the roof.

[Cobaltdeadhead]

Arrest made

https://www.wmur.com/article/man-arr...sh-nh/60620407

[LIforrelaxin]

Originally Posted by Cobaltdeadhead

Arrest made

https://www.wmur.com/article/man-arr...sh-nh/60620407

While this is interesting, it isn't really the operator that caused the incident, it is the "Rescue Boat" driver.... that got the culprit away from the scene. However hopefully it is a sign, that there are more arrests to be made....

[tis]

Originally Posted by LIforrelaxin

While this is interesting, it isn't really the operator that caused the incident, it is the "Rescue Boat" driver.... that got the culprit away from the scene. However hopefully it is a sign, that there are more arrests to be made....

I was surprised too. I expected the article would be about the operator being arrested, although maybe they can't prove anything because he did leave the scene. Maybe this is the only thing they can prove?

[FlyingScot]

Originally Posted by tis

I was surprised too. I expected the article would be about the operator being arrested, although maybe they can't prove anything because he did leave the scene. Maybe this is the only thing they can prove?

Agreed this may be the only thing they can prove. Maybe they expect to pressure this guy to testify against the Sea Ray captain?

[Dad207]

Originally Posted by FlyingScot

Agreed this may be the only thing they can prove. Maybe they expect to pressure this guy to testify against the Sea Ray captain?

Classic law enforcement technique: charge the lowest-level perpetrator on the criminal ladder, and in exchange for a deal-- say probation or dropped charges, they agree to testify against the higher-up perps, in this case, the captain of the boat who this witness (now defendant) can now identify. This works so long as the lower-level defendant is not bought off, by, and/or is wiling to take a the hit for, the target defendant.

[dickiej]

…..always trade up.

[John Mercier]

Originally Posted by Descant

There's a lot of speculation here, and it's a great game with no apparent rules, so here goes:

Hackercraft is insured by company A. Sea Ray is insured by Company B. Company A pays for repairs to the Hacker and subrogates against B. There is a bailment situation, so Hacker owner will get his deductible back. The Sea Ray, company B, is insured and there is nothing in the policy that requires a specific person to be driving, so the Sea Ray damage is covered by company B.
Now, follow this. The Sea Ray was purchased with a loan, say for $1,000,000, with 20% down. The boat is totaled, and the bank gets paid their $800,000 as the mortgagee/additional insured. They're happyy--they m,ade money on the loan. The owner bought his lakefront McMansion just before the pandemic for $750,000 and used a HELOC for the down payment on the boat. He can now sell the house (after all, he's done boating) for $2,000,000, pays off all the debt and has funds available to buy elsewhere. Nobody was hurt, nobody loses money, nobody gets a ticket. Ain't this a great country?

Does the boat owner lose any devaluation?
If he bought the house for $750,000 and sells for $2,000,000 but has to repay the HELOC, and the boat has devalued with the insurer paying the lower valuation... doesn't the boat owner come out short of full profit?
Or am I missing something?