You can reject the settlement offers from the insurance company, whether the offer is to total the boat or just to resurface one side, or other settlement offers with which you are dissatisfied.If you reject the settlement offers, your recourse is to sue both the owner of the jet ski and the operator of the jet ski for negligence.  You would only file one lawsuit naming both the owner and operator of the jet ski as defendants.Your damages (the amount of compensation you are seeking in your lawsuit) would be the cost of repairs to the boat.  You will need to mitigate (minimize) damages by selecting a boat repair shop whose fees are comparable to other boat repair shops in the area.  If you were to select the most expensive boat repair shop you could find, you have failed to mitigate damages and your damages will be reduced accordingly.Although it is not possible to predict the outcome of a lawsuit, you have a strong case for negligence against the owner and operator of the jet ski.