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Best Boat Insurance for Fisherman Nationwide Insurance

First off I’m referring to my own situation and satisfaction from my boat insurance with Nationwide Insurance.  Nationwide doesn’t know I wrote this although I’ll be sending them a copy to make sure I didn’t violate any clause that I didn’t see.

I picked up Nationwide Insurance back a couple of years ago for my 99 Javelin for the specific reason of protecting my brand new Evinrude E-Tec because as we know the money lies within the outboards now a days.

After a great spring of running my new rig and enjoying the performance of an older boat that has been renewed by repowering instead of spending north of 60,000.00 on a new rig (which is what I suspect will be the way of the future) I found myself out on Rend lake in an evening tournament.  Fortunately the bite had been good to me early and I found myself with 4 keepers giving me all evening to find my limit so I decided to run across the lake to run and gun though the lake had swelled up considerably with strong winds blowing from top to bottom which can be hazardous here.  I was jumping waves when I got half way across the lake and noticed a funny feeling in the performance of the boat.  Once I got to a calmer side I opened the throttle to look back and see the transom was flexing (YIKES!!!).  When I shut down I immediately opened up my back hatch to see what had happened and the evidence was made clear on inspection of the back of the boat.  Two solid cracks running parallel from the bottom of the boat all the way to the top where the fiberglass had detached.  I eased the boat back to the ramp and made it home without anymore damage.

The next day I got in touch with Nationwide Insurance.  After a couple of callbacks and speaking with a fiberglass expert, who concluded undoubtedly that the problem was from an impact with the motor.  There was only one problem…The old motor was gone!  I had just repowered with a brand new outboard and had no evidence of a collision as my new motor didn’t have a scratch.  This caused major issues with the insurance company as it would with any insurance company.  I was able to get in touch with the gentleman who purchased my old motor but he had pieced it out over the winter and had just sold the lower unit (bummer!).  To make a long story short, Nationwide was trusting enough to ask me to take the boat to a boat expert and have them break down the transom (which they said they would cover) and if there was no sign of transom rot, they would gladly pay for the damage.  I thought that even if I didn’t get the settlement I was quite satisfied that they at least gave me the opportunity, even though they held all the cards.  Upon inspection there was absolutely no transom rot and 3 days later I received a check in the mail covering all costs outside my deductible.

I just received my renewal for the upcoming year and I can promise you they will be getting their check immediately as I can say from my experience that they treat their customers more than fair!

 

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Review of the Quantum Optix OP10F

 

 

I was ready to hit the water for some white bass fishing today when I just remembered  that my old trusted Shimano spin cast reel was lifted by someone without my permission.  Let’s just hope the bearings were finally about to go out on it it after all these years of reliable use.  I wasn’t about to let this ruin my day, but I was lacking money and needed to come up with a cheap version to get me by until I knew what I wanted to replace old faithful with.  It was too late in the day to go scour the yard sales to pick up the absolute best deal and I needed to run to my bait shop to grab a few Rooster Tails for the day. 

When I entered I saw several reels on display and pointed to one that wasn’t quite a micro and asked the shop keeper if I could hold it.  As he pulled it out of the glass case he told me that he really enjoyed using them and that he fished with two of them himself.  After checking the reverse stop and giving it several test cranks to check for smoothness I was more than satisfied and asked the price.  To my surprise he said $23.99!  Huh?  I didn’t know you could still get anything that works for under 30.00???  Ok I thought well since I’m right here at the lake if it breaks I’ll return it immediately and just get my cash back.  I lined up a healthy amount of 6lbs test Mono to get me going.

As I got down to my first starting spot I threw my first cast and it veered viciously off to the right.  “Darn I thought”, perhaps it was just that first cast and the line stuck.  Another cast…same result.  It was at this moment I took a line from the classic golf film “Tin Cup” which stated “why don’t you aim to the left partner”.  On my third cast I watched as my bait flew a mile out to its destination with a small line twist coming out of it in the process (BINGO!).  After the line sat tightly to the reel I was able to launch this little bad boy anywhere I needed and at incredible distances.  I fished for over 2 hours without one issue (and unfortunately only 2 fish) and was more than satisfied with my purchase. 

Now I have no sponsorship through Quantum or any other reels at the time of this writing and I will be sure to update this post if and when something goes wrong with the reel but for now when you factor in price, brand name, and quality I think it’s a valuable pick up with the price being the overwhelming factor.  If you purchase it through my Amazon Associate link here or click the image above you get it even cheaper.  None of your prime benefits will be negatively affected and I plan to do a continuing review of the reel in a couple of months unless I am disappointed with it before then.  At which time I’ll give it a negative rating.