If so how did it urn out?

Reason I ask, is My new 7/22' Vexus bass boat (retirement rig) got rear ended by a truck in mid Nov. 8. Fast forward 8 long wks later, after review the Marina and manufacture decided it needs a new haul and figured a estimate. I was told it would take until April before the boat was usable again, that would be 6 months without a boat!!!
After the insurance agent sent info to 4 different appraisal companies I got a offer Friday at 4:30pm vis e-mail. it seems they want top pay for the repair and that's it, this about is 75% of what I payed for it new 16 mths ago. In the report they also mentioned the Fair Market Value, which was close to $8,000 more than what they figured!!!
I plan on calling the agent Monday morning to discuss. I will mention a loaner boat as would be supplied if it was a auto. I feel they are offering to pay me to spend another 4 months re-building a boat!!! I'm hoping to avoid court but if they wont budge, I will have to.

Anyone had experiences like this?