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Not meant as an "I told you so".....ALWAYS get the full boat insurance to avoid these hassles. $15 a day is a small price to pay to avoid the potentially huge hassles.
PS - I would tell them to pound sand. The guy parking it after it's return could have done the damage for all you know. Might have to fight the claim on your credit card if there is one - I've done it, no biggy. I would call your insurance company and ask why they paid anything at all - I'm assuming you never admitted to damaging the car. I'm surprised they would roll over that easily.
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