Best advice I can give is to get your insurance carrier to pay up. Let the insurance carrier then pursue these self absorbed people with the their resources not yours.

Last year a neighbor's tree limb fell on my boat. The insurance carrier told me "to go after her and make her pay". I called the state board of insurance who inturn explained to my agent to pay up. The insurance carrier did so after two months and then sued the neighbor for full damages paid plus attorney's fees.

Your boat will be fixed quicker and without alot of hassle this way7.

thom