Ding's right, Florida is a No-Fault state. However, the driver who clobbered your boat should pay for the ACTUAL CASH VALUE of the trailer/boat from his/her liability policy. Let's hope the property damage limit on the policy is greater than the state required minimum ($20,000). You can try to get replacement cost, but I'm not sure that would happen.

How much is a G-Cat worth these days?

This brings up a good point. Check your OWN policy, because most policies don't cover YOUR boat/trailer for damage unless you schedule them.

You are covered for liability if that trailer causes bodily injury/property damage (to someone or something else) while being towed, but the policy won't (generally speaking) cover damage to your trailer/boat.


Jay