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No rationale given, they just told me to sue in civil court instead.
I'm sorry you had to go through that, one of my experiences with them is getting hit by a car while cycling breaking some important bones, they showed up and gave me a business card to call them while I was laying on the ground bleeding from everywhere offering no help other than asking if I could walk to the hospital several blocks away. The EMTs chased them away thankfully. Then 8 months later they finally finished typing their whole one paragraph "police report" for my insurance claim, getting every detail wrong. A random shooter guy shot at me and missed this past November while I was out in my neighborhood walking my dog, in a different City, I found his name and all details about him to give the police. They still haven't arrested him because he didn't actually hit me while shooting at my head and can't be bothered to "do their jobs"
My boat was very cheap, so a lawsuit would lose me money, but you might be able to win a lot more over attempted murder. Maybe worth the cost of paying a lawyer to hear you out?
Damn. That’s just nuts. Thanks for sharing this experience as I’ve never heard of this. I don’t own a boat, but they can apply that to anything unless I am rich.