Sli,
What is the amount in controversy- that is how much did you get for the boat?
Will your homeowners' or some other insurance you have cover this? If so, you may want to report the matter promptly to prevent a loss of coverage.
Pac's suggestion to search for witnesses is a good one. Get names, addresses and phone numbers, as well as written statements- if possible. I would also search to see if their might have been a security or other camera that photographed the incident. Likewise, try to find out the identity of whoever caused the accident.
Their best legal argument to require you to return the money is that although they had already paid you, your assistance in transporting the boat was one of the agreed upon material terms of the transaction, which was not fully completed yet.
Your best counter-argument (defense) to this is that the transaction was already fully completed and that your helping them move the boat after they took possession of it was a favor, as opposed to being one of the terms of the transaction. hopefully, they did not ask you to do this until *after* they paid you, and that further proof of this exists in the form of the bill of sale, which did not list moving the boat as one of the terms of the sale.
In the alternative, one of your your defenses is that the accident was solely the fault of the third-party.
Another defense could be: even though you were partially or even completely at fault, you were operating the boat as their agent (under their direction and control) and that they, therefore are still responsible for any negligence you may have committed.
Having set forth these arguments, I caution you that if this falls under the maritime area of law, none of these arguments may be valid and there may be some other theory or defense that applies.
Again though, the very first thing I would need to know is the amount in controversy to determine whether it is even advisable for you to fight this should they file suit...
Any how, please feel free to call me *anytime* to discuss this further. If you still don't have my cell number, just EM at:
RobertFenster at FensterLaw dot com
Everyone:
This is a good lesson why a simple bill of sale is insufficient in nay transaction. Now you can see why "as is", in and of itself, is insufficient. A seller should always require the buyer to sign off on the date and exact time possession of the item/property took place. When selling a car as is, for example, I would not only include "as is" language, but also something to the effect that either: 1) Buyer has had the item inspected by an expert of his/her choosing; or 2) Buyer has failed to follow seller's advice to have the item inspected by an expert of buyer's choosing, etc., etc...