Thanks for posting, a good lesson there for all of us. Glad you survived.
You are probably not the only Tracker owner to have this happen. I would also post on a few other boards like Walleye Central. Perhaps you can find other Tracker owners who have had taken Tracker to court or had similar insurance claims.
There was also an old OFC thread or 2 about a member who had hull problems and battled Tracker. Maybe he could offer some insight dealing with Tracker.